Financial Planning
Financial planning is more than just simple savings and investing advice. There is an infinite amount of complex information out there on how and how much to save and where and when to invest those saved assets. We help to consolidate and simplify all that information and distill it into an easy to understand and actionable plan geared specifically towards your goals and we regularly review that plan to be sure we retain purpose and focus.
Investment Planning
Whether you realize it or not, you are engaged in investment planning every day. You are constantly choosing how to invest the limited time at your disposal. If you knew that you were consistently heading towards your retirement goals with a prudent investment plan, would you feel less anxious and how might your investment of time be different? Would you be able to invest more time and be more productive in other aspects of your life like family, friends, career, or perhaps travel? We strive to simplify your life by simplifying and organizing your investment portfolio.
Estate Planning
For some, financial planning is mainly concerned with how to go about building a nest egg and how to make it last through retirement. For many, though, there is a desire to ensure their estate delivers benefits to their family, loved ones, and/or charitable organizations beyond their own retirement and produces a lasting legacy even after they have passed. We will help you carefully consider options that could allow your estate to impact your future family and community and create a legacy to be proud of.
Retirement Planning
Retirement planning typically include three main areas: Income replacement, protecting your family and, your legacy. How do we replace your income in the most tax-efficient manner while minimizing risk? How do we protect your family’s best interest and maximize continuity. What do you wish your legacy look like and how do we get there? We can help guide you through every important financial question surrounding your retirement.
Insurance Services
There are two main reasons to purchase Life Insurance…either you love someone or you owe someone money. The selfless act to protect others from your loss can enhance your heirs’ future and protect legacies. From business succession planning to income replacement for loved ones, life insurance can be as important for a complete and holistic financial plan as saving and investing. As independent agents, we can search the marketplace for solutions that best solve your needs.
Annuities
Depending on your situation and time horizon, annuities can play a prudent role in income planning in retirement. Annuities have the ability to transfer risk and provide tax-deferred savings, while at the same time protecting principal. Today’s annuities continue to have increasing features and benefits; however, this comes with increasing complexity. We will help make sense of the features, benefits, and risk profile of each annuity product and help you determine if they fit your needs and goals. Being independent agents allows us to take advantage of the widest array of potential annuity products to find the one that best fits your needs.
