"Let's Plan On It!"
Financial planning is an important part of preparing for the future. Retirement can come with a lot of change and uncertainty, so it’s essential to prepare before you make the transition. Financial planning involves understanding the choices you have and Aligning Goals to make decisions about your investments, insurance, taxes, and other related topics that help you achieve financial stability now and during retirement.
When beginning your retirement planning process, start early. It’s important to consider a budget. You should also determine how long you plan on working and if you need to adjust any current savings goals.
"If you could understand the consequences of your decisions before you made them, would you do it?"
Estate Planning
Estate planning is an important part of managing your financial future. Having an estate plan ensures that your wishes are followed regarding the handling of your property, debts, taxes, and other matters in the event of your death. It can help you reduce estate taxes and probate costs. It can protect assets from creditors or future lawsuits, provide for dependents with special needs or disabilities, make sure that charitable donations are fulfilled according to your wishes, and much more.
A financial planner in association with an estate attorney can advise you on how to make gifts, set up trusts, designate beneficiaries, and plan your bequests. We believe working with us can be beneficial in helping you create an effective estate plan tailored to meet all of your Aligned Goals.
Insurance Planning
Insurance planning is crucial to protect you and your family from the unexpected costs of illness, injury, death, or other disasters. Insurance can help buffer against these risks by transferring the risk and creating the financial safety net if something happens that leaves you unable to work or pay for medical bills.
It's important to understand what types of insurance you need and how much coverage is right for your situation. Consider the potential risks that you or your family might face, such as death or disability.
It’s important to speak with a financial advisor who can find the best insurance plans for you.
Investment Advice
Investment advice can take many forms, from helping you create a personalized portfolio of stocks, bonds, mutual funds, ETFs, CDs and alternative investments to providing insight into when and where to invest your money for maximum return. With solid investment advice, you are likely to be successful in pursuing your financial objectives such as educational savings, retirement planning, or wealth building.
An Investment Advisor has the experience and resources necessary to provide comprehensive investment advice designed to address your financial goals while minimizing risk.
"I don't predict the rain but I help build financial arks!"
Lifestyle Planning & Management
Lifestyle financial planning is a comprehensive approach to managing your finances that considers not only the amount of money you have, but how you want to use it.
With a financial plan in place, you will be better equipped to make informed decisions about your finances which could help you to reach your desired lifestyle goals.
"Everyone has their financial goals, but not everyone knows how they will get there."
Money Management
Paying attention to your financial situation is an important part of life, regardless of the stage you’re in.
Educate yourself on personal finance topics such as budgeting, retirement savings, investing wisely, and understanding credit will help you with your finances now and in the future.
With the right knowledge and guidance, we believe you can help design and create a secure financial future for yourself and your family.
"Live below your means so you can have the means to live in retirement."