Still in your working years?

These years are known as the “accumulation stage” of your life. That is, you are earning money and putting it away for future use. When you rule over your money during this stage you create opportunities for yourself for later in life. For example, if you are saving for a child’s education years, you open up opportunities for him or her. If you save for retirement, you open up the opportunity to someday be free of the need to work. Here are some ways that we guide clients through the working years:

 
 

Plan.

You may be coming to the end of each year and wondering where your money went or you have some left over and you are wanting to know the most effective way to save it. You know that if you are going to have the life you hope to have in the future, it comes through careful planning and disciplined decisions today. Let us help you by offering strategies so that you can reach your target.


Invest.

You are putting your money into retirement accounts but you may not feel confident that it is appropriately invested. You want to feel like you are giving your hard-earned money the opportunity to experience compound growth for many years to come. Let us help you establish the right kind of retirement accounts, rollover your old 401(k)’s, and professionally manage your investments according to your risk tolerance and timeline.


Insure.

You have important decisions to make regarding life insurance and disability insurance. You want to make sure your family is protected but you don’t want to pay more than you have to in order to do this. There are a lot of opinions floating around about cash-value life insurance vs. term insurance and you may not be sure which way to go. You also may be wondering if disability insurance is worth the cost. We can give you the information and guidance you need so that you can make wise decisions for your family.

 

Are you a business owner?

Entrepreneurs have unique needs and need creative solutions. You probably have an unsteady income and a higher demand for cash. Furthermore, you are not employed by a company that is providing a 401(k) and benefits to you. You are juggling a lot of responsibilities and we want to come alongside you to educate you and make your financial burden lighter.

 
 

Plan.

As a business owner, you know that you don’t reach goals until you’ve cast vision and implemented strategies to get there. You started or bought your business for a number of reasons. One of those reasons is that you felt like it would help you reach your financial goals. Let us help you clarify your financial goals, implement strategies, and monitor your progress.


Invest.

You want to invest in your business. We get that! We are business owners, too. However, we also believe that having a diversified portfolio is wise. You know that taking risks as a business owner is easier when you have an emergency fund put away and money saved for retirement. We can help you determine whether a 401(k), Simple IRA, or SEP IRA makes sense for your business and then we can help you get these accounts established.


Insure.

As a business owner, you feel the responsibility of caring for your family, your business partners, and your employees. You want to know that if something happens, everyone will be taken care of. We can help you determine how to best leverage life insurance and disability insurance to help mitigate risks.

 

Nearly retired or already retired?

As you approach or enter retirement your financial concerns begin to shift from growth and accumulation to safety and income. You want to have the peace-of-mind that you have the freedom to no longer work and that you won’t outlast your money. You may also be thinking about your legacy wishes. Even if you’ve managed your own money your entire life, you may be feeling like you have less margin for error, moving forward. Let us use our expertise to help you retire with confidence so that you can focus on enjoying the golden years of your life.

 
 

Plan.

You may be wondering if you are able to retire. You may be wondering which accounts to draw from first during retirement. You may be wondering if you should downsize or if you can afford a vacation home. You may also be wondering when to take Social Security and how your benefit is affected by a government pension (if you have one.) With our financial planning software, we can show you the impact of these decisions and guide you toward making the right decisions.


Invest.

You have worked hard for the ability to make your money work for you; now its time to reap the benefits of that discipline. This is the time in your life where the growth of your overall portfolio becomes less important than it’s safety. Let us put together and manage a portfolio for you that is in line with your risk tolerance and risk capacity.

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Insure.

Your insurance needs are shifting. You no longer need to be as concerned about using life insurance to provide income to loved ones in the event of your passing. Instead, you may want to use it to create a legacy, fund a trust, or to provide cash to cover real estate expenses. It is also likely that you do not need life insurance at all because you are self-insured. We can educate you so that you can make a wise decision regarding life insurance.

You’ve also heard mixed reviews about annuities. You know there are a lot of options out there and they are all layered with complexities. We can help you understand the scenarios where annuities make sense, and if necessary, we can help you find one that can provide the safety and income that you are looking for at this stage of your life.