What We Do To Plan For Your Future

What We Do To Plan For Your Future2019-03-20T20:46:09+00:00

Financial Planning

While it is easy to get caught up in the state of the economy or the latest “hot” investment, we believe passionately that the way you invest should be aligned with where you are in your life… not with the short-term ups and downs of markets.

You should have a financial plan to help you manage your opportunities, needs, concerns and goals for both today and tomorrow. A good plan should help you:

  • Protect and provide for your family
  • Enjoy and protect your lifestyle
  • Plan ahead for your needs, wants and wishes
  • Create financial comfort
  • Build a legacy

Retirement Income Planning

One of the most important decisions you make in life occurs at the point in time when you declare your retirement and replace your regular, steady income with income from your investment accounts to support your “Golden Years.”  You want your retirement to be full of great memories regardless of how you choose to spend them.

A good retirement income strategy creates “buckets” of investments appropriate to the time frame in which the income need is anticipated.  This is not a one-time event. It’s a fluid, adaptive strategy that has been repeated again and again by design to give you the lifetime retirement income you’ve worked so hard to accumulate.

Investment Management

Investing with the purpose of reaching your goals means gathering as much experience and help on your side as you can. Using scientific and academic research have taught us that there are six important decisions that must be made when building and managing investment portfolios:

  1. Asset Allocation – Allocate your portfolio based on your goals and objectives.
  2. Portfolio Design – Identifying the sources of long-term, above-average returns.
  3. Investment Manager Selection – A multi-manager approach to optimize results.
  4. Portfolio Construction – Multiple layers of diversification.
  5. Tax Management – Manage tax implications within your portfolio and keep what you earn.
  6. Risk Management – Manager monitoring of key risk factors.

To be a successful investor you need discipline and structure and ongoing education to manage through the market’s cycles.

Insurance Analysis

As major life changes occur we will evaluate your insurance needs to help ensure you are not unnecessarily exposed. As part of our ongoing process, we will evaluate your life insurance, long-term care insurance, disability income insurance and asset protection needs.

Coordination with Other Professionals

The financial services industry offers an array of services and covers multiple disciplines. As such, we actively collaborate with other professionals to help with your immediate and long-term financial needs. We firmly believe that this coordinated approach best serves your needs and allows us to provide you with recommendations for professionals if a need arises.

Review Meetings

Regular communication is the key to ensure that we stay on track with your financial goals. Our firm will reach out to you on a semi-annual basis to review your current situation and any life changes.  Reviews meetings can be in-person or online/phone call, and focus on portfolio updates, stock market reviews and life events that may have altered your needs. We urge you to reach out to us if a major life event has occurred, as we’re committed to helping you remain on track.