What It's Like To Work With Us
Properly done, financial planning addresses seven key areas: values and goals, current financial position, risk management, retirement planning, investments, tax planning and estate planning.
We believe that in order to pursue your life goals you need a plan, but there is more urgency for those who fall into certain categories, including people of retirement age, workers who have experienced job changes/shifts, those experiencing family transitions (marriage, divorce, widowhood, graduations, inheritances, etc.), small-business owners, etc.
Why plan now?
As the saying goes, “You don’t know what you don’t know.” There are so many changes in our society and our lives, it’s hard to keep up. The sooner you start planning, the less likely you will be to make mistakes or miss out.
What benefits are there to planning?
Do you really want to depend on luck to give you financial independence and fund your retirement? Financial planning can help give you confidence in your investments, the potential to retire earlier and the possibility to pay less in taxes. Proper planning helps you to potentially prevent running out of money before you run out of life, and enable your ability to live a comfortable retirement. It puts you in charge of your own legacy, or provides funds for your children to go to college. These are just a few of the benefits that can arise from careful financial planning.
Where do I go for help?
There are several types of professionals who can provide assistance, but you may want to seek the advice of a professional that may be more prudent when putting a plan in place. Some stock brokers may focus on selling securities. Insurance agents are sometimes concerned first with selling insurance policies. Both can be limited in their scope. Some Financial advisors are able to address both functions offered by stockbrokers and insurance agents and also provide comprehensive strategies for your wealth management and entire financial well-being by looking at your whole, big picture.