Retirement Planning
True financial freedom is not something that can be
achieved by most people without careful planning. True
financial freedom can only be achieved through your own
disciplined savings and investment.
The surest path to follow is to start saving early, do so
consistently, and invest the savings wisely. This path
allows assets to grow with time into the nest egg you
will need to fund the lifestyle you desire.
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Financial Advice & Consulting
We work with individuals and businesses as they seek to make
sound financial decisions. Our coordinated approach to
holistic financial planning is unique for each individual
client.
Identifying your life goals can help you make the financial
decisions that will allow you to realize your dreams - for
tomorrow, and well into the future.
Our initial meeting begins with a discussion about you and
your unique situation as we explore your goals & values.
After clarifying your priorities, we create a customized,
detailed strategy to help you be more confident about your
financial future.
A comprehensive financial plan will clearly show how your
goals are interrelated, and serves as a framework for
organizing the pieces of your overall financial picture.
Implementing your coordinated financial plan with
individually tailored strategies will help guide you on
your path towards financial independence.
Most importantly, you'll have the peace of mind that comes
from knowing that you are on track towards achieving your
financial goals.
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Financial Planning for Individuals
We work with individuals and businesses as they seek to make
sound financial decisions. Our coordinated approach to
holistic financial planning is unique for each individual
client.
Identifying your life goals can help you make the financial
decisions that will allow you to realize your dreams - for
tomorrow, and well into the future.
Our initial meeting begins with a discussion about you and
your family's unique situation as we explore your goals and
values. After clarifying your priorities, we create a
customized, detailed strategy to help you be more confident
about your financial future.
A comprehensive financial plan will clearly show how your
goals are interrelated, and serves as a framework for
organizing the pieces of your overall financial picture.
Implementing your coordinated financial plan with
individually tailored strategies will help guide you on
your path towards financial independence.
Most importantly, you'll have the peace of mind that comes
from knowing that you are on track towards achieving your
financial goals.
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Financial Planning for Businesses
We work with businesses to help them make sound financial
decisions. We understand that every business is unique and
therefore take a custom approach to planning for your
business.
Our initial meeting begins with a discussion about you and
your goals and values. We then take time to understand your
business needs and how they fit in with your personal
goals.
After clarifying your priorities, we create a customized,
detailed strategy to help you be more confident about your
business' financial future, and to ensure that your
employees are planned for.
A comprehensive financial plan will clearly show how your
goals are interrelated, and serves as a framework for
organizing the pieces of your overall financial picture.
Implementing your coordinated financial plan with
individually tailored strategies will help guide you on
your path towards financial independence. Most
importantly, you'll have the peace of mind that comes
from knowing that you are on track towards achieving your
financial goals.
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401K Rollovers
Our individual financial planning process educates clients
on the options for their 401(k) rollovers including tax
ramifications, investment choices and required minimum
distributions.
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Insurance Planning
Financial Planning involves creating a game plan to allow
you to achieve your dreams as they relate to your
family's financial health, however, even the most
thorough plans can get derailed by unexpected obstacles
that can come up along the way. Insurance is the way
that we seek to limit the financial devastation that
could affect a family due to illness, disability,
property loss, and death. It is important to us that our
clients achieve their goals, even if the unexpected
happens.
Our insurance planning focuses on 3 areas:
- Life Insurance
- Long Term Care Insurance
- Disability Insurance
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Risk management
Financial Planning involves creating a game plan to allow
you to achieve your dreams as they relate to your
family's financial health, however, even the most
thorough plans can get derailed by unexpected obstacles
that can come up along the way. Insurance is the way
that we seek to limit the financial devastation that
could affect a family due to illness, disability,
property loss, and death. It is important to us that our
clients achieve their goals, even if the unexpected
happens.
Our insurance planning focuses on 3 areas:
- Life Insurance
- Long Term Care Insurance
- Disability Insurance
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Annuities
Annuities are complex investment products that may have a
place in a clients retirement planning. Throughout
comprehensive process our goal is to educate our clients
on the benefits of using an annuity in their overall
retirement plan if their situation warrants.
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Estate Planning & Trusts
Thoughtful, detailed estate planning services protecting
your assets, determining your health care directives,
distributing your wealth upon your death - these and other
issues are important aspects of estate planning. During
thoughtful conversations with you, we ask questions and
listen carefully to your ideas about inheritances and
heirlooms, transferring money values to your children and
grandchildren, plans for a family business, wishes for
charitable giving, and avoiding estate taxes.
Helpful estate planning, review and guidance, working
closely with your attorney, or one that we recommend, we
develop the architecture of your estate plan and shepherd
you through the planning process. With extensive experience
in creating estate plans, we help you understand the legal
language and make sure your plan accurately reflects your
wishes.
With your estate plan in place, we assist you in
implementing each detail and review the plan's
effectiveness. When life circumstances change and your
plan needs to be altered, we oversee this process too.
Key Estate Planning Documents
The estate planning process includes creating or
reviewing five key documents to make sure that your
wishes are met:
- Revocable trust or irrevocable trust
- Will
- Durable power of attorney for financial matters
- Durable power of attorney for health care
- Living will
During the development of these documents, we help you
determine appropriate provisions, trustees, guardians,
executor or executrix, agent for health care, and advance
directive decisions.
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Tax Advice and Services
We coordinate our planning process with your CPA to ensure
you're taking advantage of every possible tax saving
strategy available to you.
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Education Funding and Planning
Choose effective education planning strategies
With the cost of a college education rising faster than
inflation, planning early and utilizing appropriate
investment and savings vehicles is critical to being
ready when college bills come due. Just as no two
students are alike, no two parents are alike when it
comes to preparing for college expenses.
At Novem Group, we help you wade through the
myriad of funding options to select an education planning
strategy that works best for your situation. Whether you
are able to develop a college funding plan early or begin
the process later, we break down the benefits of each
option to help simplify your decision-making.
Make the right college funding choices
With many education funding vehicles to choose from,
selecting the right ones can be challenging. We help you
weigh the advantages of:
- State-administered 529 college savings plans that
can offer tax-deferred growth and no income restrictions
- Uniform Transfer to Minors Act (UTMA) accounts that allow
parents and grandparents to transfer ownership of assets to
minor children
- Pre-paid state college tuition plans that freeze costs at
current rates
- Coverdell education savings accounts with tax-exempt
earnings
- U.S. savings bonds free of federal tax if spent on college
expenses
- Taxable investments and potential gifting of assets when
college payments are due
- CDs, savings accounts and short-term bonds for funds
needed for college within a few years
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Portfolio Management
Step One: Determine an Appropriate Asset Allocation Asset
allocation, the ratio of equity investments to fixed income
investments, is the single most important factor in
determining the risk and return characteristics of a
portfolio.
Making appropriate asset allocation decisions are based on
an accurate assessment of the following client-specific
considerations: Individual risk tolerance/risk capacity,
progress towards financial goals, time horizon, portfolio
objective, investor preferences, and tax and other
financial planning considerations.
Step Two: Investment Selection - At Novem Group, our
investment selection is based on both qualitative and
quantitative factors.
Step Three: Monitor, Rebalance, Reassess and Adjust -
Portfolio management is an ongoing and dynamic process.
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Investment Advice & Management
Step One: Determine an Appropriate Asset Allocation
Asset allocation, the ratio of equity investments to
fixed income investments, is the single most important
factor in determining the risk and return characteristics
of a portfolio.
Making appropriate asset allocation decisions is based on
an accurate assessment of the following client-specific
considerations:
â?¢ Individual risk tolerance/risk capacity
â?¢ Progress towards financial goals
â?¢ Time horizon
â?¢ Portfolio objective
â?¢ Investor preferences
â?¢ Tax and other financial planning considerations
Step Two: Investment Selection
Our investment selection is based on both
qualitative and quantitative factors.
Step Three: Monitor, Rebalance, Reassess and Adjust
Portfolio management is an ongoing and dynamic process.
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Wealth Management
Step One: Determine an Appropriate Asset Allocation
Asset allocation, the ratio of equity investments to
fixed income investments, is the single most important
factor in determining the risk and return characteristics
of a portfolio.
Making appropriate asset allocation decisions is based on
an accurate assessment of the following client-specific
considerations:
â?¢ Individual risk tolerance/risk capacity
â?¢ Progress towards financial goals
â?¢ Time horizon
â?¢ Portfolio objective
â?¢ Investor preferences
â?¢ Tax and other financial planning considerations
Step Two: Investment Selection
Our investment selection is based on both
qualitative and quantitative factors.
Step Three: Monitor, Rebalance, Reassess and Adjust
Portfolio management is an ongoing and dynamic process.
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Money Management
Step One: Determine an Appropriate Asset Allocation
Asset allocation, the ratio of equity investments to
fixed income investments, is the single most important
factor in determining the risk and return characteristics
of a portfolio.
Making appropriate asset allocation decisions is based on
an accurate assessment of the following client-specific
considerations:
â?¢ Individual risk tolerance/risk capacity
â?¢ Progress towards financial goals
â?¢ Time horizon
â?¢ Portfolio objective
â?¢ Investor preferences
â?¢ Tax and other financial planning considerations
Step Two: Investment Selection
Our investment selection is based on both
qualitative and quantitative factors.
Step Three: Monitor, Rebalance, Reassess and Adjust
Portfolio management is an ongoing and dynamic process.
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