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Investment Planning Services — Building a Secure Future Together
We define investment planning as a comprehensive, ongoing approach to managing all areas of your financial life that takes into consideration your income, expenses, investments and debt; your short-term and long-term goals such as paying for college or retiring comfortably; and, finally, leaving a legacy. Our team can help you prepare for the life-changing events that impact your finances. We will take a look at your overall financial needs, including your current situation and your goals for the future. Together, we will work with you to create a financial plan based on your dreams and goals, and track your progress toward achieving them.Our team can help you weigh the myriad financial choices that must be made to balance your personal goals and investment risk tolerance. We can assist you in developing a unique plan to address your financial needs. Having a written investment plan can help you feel more confident and prepared for your future, whether you are already in retirement, nearing retirement or just starting to save for retirement.
Core Services Offered with a Comprehensive Plan:
- Cash Flow Management
We will consult with you regarding your spending and savings habits and both your short and long term cash flow plans. We will assess your current cash flow needs, goals, emergency reserve and debt situation. From our assessment, we will identify issues with your current cash flow plans that may prevent you from obtaining your long term objectives. We will evaluate your current savings program and its ability to meet your retirement needs giving specific attention to fulfilling your short and long-term goals. - Investment Planning
We will work with you to quantify your financial requirements in light of taxes, inflation, investment return and life expectancy as well as consult with you on how to manage your investments during the accumulation and distribution phases of your life. We will illustrate savings and investment combinations to meet retirement needs, including analysis of individual and company retirement funding alternatives, distribution options and rollover/transfer options. We can also guide you through enrollment in employee retirement plans, rollovers, and 401(k) transfers. Services may include review and analysis of your asset allocation, existing investments, development of investment plans, discussion of investment fundamentals including risk and return. This analysis will include investment suitability, time horizons, and investment goals. - Education Planning
We will evaluate your education funding objectives, specific school costs and education funding alternatives. We can help you define your education funding goals, analyze your current funding plan and designated assets, review funding alternatives and recommend strategies for meeting your goals. We can also help you with the enrollment process for education plans. - Goal Planning
We will help you construct strategies to account for the “big ticket” items in order to have the smallest possible impact on your retirement and estate planning goals. We will provide you with an analysis and recommendations regarding specific accumulation goals. We will work with you to identify and quantify these goals and recommend strategies that successfully integrate them with your other financial goals. - Employee Benefit Analysis
We will analyze and review your employee benefits in relation to your short-term and long-term career and investment goals. This may include review of your retirement plan options, health, life, and disability benefits and how best to utilize the benefits offered to you by your employer.