financial plan

Personal Financial Planning:

Whether you are married or single, young or old, a financial plan is important.  While your financial planning objectives may vary depending on your situation, there is always a need to develop and implement a financial plan. We work with you as you encounter Life Events to ensure your plan is changing as your needs and objectives change. Whatever your situation, we can help.  Whether you are exploring setting up a retirement plan for the first time, or are looking to put together a comprehensive planning strategy, we have the tools and knowledge to assist you.

• Flat Fee Financial Planning

• When developing a financial plan, it is important to look at the whole picture.  While it is important to set up and fund a retirement account, it is equally important to ensure your retirement assets are protected with a structured risk management plan.  Through our comprehensive financial planning services, we review your existing goals and objectives and assist you in developing a comprehensive solution to ensure that you are not only building wealth, but that you will maintain your wealth as well. In addition, we know the importance of changing needs.  As your life changes, we are there to assist you in adjusting your financial plan to ensure it is still in line with your needs.

• Retirement Planning Solutions
  •  We can no longer depend on social security or pension plans to help us in retirement.  It is for this reason that planning for retirement is becoming more important than ever.  Through our retirement planning solutions we will assist you in determining how much you will need in retirement, develop a plan to help you get there, and monitor your plan to make certain that your plan adjusts as your life changes. 
  • One of the main concerns when reaching retirement is running out of money.  Now that we are living longer, it is important to plan for longevity.  By developing an income strategy while restructuring your investments to sustain market fluctuations, a plan can be developed to make sure your income will last as long as you need it.

• College Planning
  • College costs are growing at an exponential rate.  At the same time, the job market is becoming increasingly competitive making a college education more important than ever.  When planning for college, it is not only important to save, but it is equally important to understand how these savings can effect your ability to receive financial aid.  When developing a college planning solution, we ensure that all factors are taken into account.

• Health Insurance
  • Health insurance continues to  be one of the most important components of a financial plan.  With seemingly unlimited plan options to choose from, it can be difficult to research and choose a plan suitable for your needs.  By consulting with an insurance professional, you can have assurance that the plan you have in place is suitable and within your budget.

• Life Insurance
  • Whether you are married or single, life insurance is an important part of your financial plan.  If you were to die unexpectedly, would your family have the financial resources to continue a healthy life style?  Who would inherit your debts?  Would they have the resources to reconcile these debts? To make certain you are properly insured, we examine your life insurance need and develop an affordable plan for you and your family. 

• Disability Insurance
  • Most people insure their cars and their homes but fail to protect their income.  What would happen if you were unable to work? Your income is by far the most valuable asset in your working years and should be adequately protected. Disability insurance is the most efficient way to protect your income because it pays you a portion of your income if you are no longer able to work due to illness or disability.

• Long-Term Care Insurance (LTC)
  
  • With long term care costs growing exponentially the need for LTC insurance is growing as well.  Advances is bio-science have lead to longer life expectancy, and, with older age comes the need for assistance. With baby boomers reaching retirement, the need for long term  care over the next 20 years is going to grow substantially.  Unfortunately, with growing need comes higher cost.These costs often cause your retirement accounts to decrease at a much faster rate than expected.