Financial Advice & Consulting |
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We help clients match their finances to their unique
needs. For those client who want their finances
to better reflect their values we invite you to explore our
"Empowered Wealth" program.
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Financial Planning for Individuals |
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Are you a busy person? Lots of our clients are -family,
work, volunteering, you name it! Many of them are fully
capable of managing their own money. But they have
partnered with us to help keep them on track or to stay on
track toward their goals.
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Financial Planning for Businesses |
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Our business clients are busy running a company. In most
cases they have employees who are counting on them for a
paycheck. There isn't a lot of time or energy left most
days to stay up on some of the tax implications of owning
a business. We work with our clients to identify
strengths and weaknesses in their personal and business
planning as it directly impacts how much they pay in taxes
versus how much money they keep in their pocket.
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Risk management |
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We help you determine what risks you are exposed to and if
you have the appropriate coverage for the risk you are
willing to bear. We partner with nearly 50 top companies to
help our clients manage the risk and protect their families
and/or businesses should the worst happen.
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Estate Planning & Trusts |
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This is an important but scary part of financial planning.
We work hard to minimize the complexity and the scare
tactics that some people use to explain how trusts and
estates work in the real world. Not everyone should have
a trust, but everyone is going to die so we all need a
plan on how to handle our affairs after death.
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Tax Planning & Mitigation |
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We love tax planning! While none of our staff are
enrolled agents or CPAs, we work closely with them
(whether it is your advisor or you ask to be referred to
one we know) to minimize or even eliminate future taxes.
This is an important part of our planning for clients and
changes as often as Congress is in session.
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Education Funding & Planning |
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We have numerous options to provide help for your child or
grandchild. We have college planning and selection services
along with strategies to maximize your ability to receive
financial aid. We can also educate you on the realities and
myths of 529 plans.
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Investment Management & Advice |
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We have many strategies and have access to too many
companies to mention here. The important thing is to figure
out what you need and why. Then we can find a strategy that
matches your needs.
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Insurance Planning |
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Do you love buying insurance? Didn't think so. Most
people would rather die than deal with it. We get that.
Which is why we don't work for an insurance company
directly or via an affiliation. We are able to "broker"
all our insurance -life, disability, and long-term care to
multiple companies. That way we can offer more than one
option and a variety of pricing options.
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Portfolio Management |
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We are independent. So we are able to use products from
nearly all companies who partner with independent
advisors.
We can work passively or actively depending on the needs
of
our clients.
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Retirement Planning |
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For most people this is the most important part of their
planning. We spend a lot of time understanding our
clients' current health situation, and where they see
challenges in the future.
Successfully managing "longevity" is directly related to
how you manage money so you don't run out of it. Most
people don't understand this relationship. We help them
with that struggle by sorting out and identifying the
challenges so we can create strategies to meet them head
on.
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401K Rollovers |
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We help educate people on their options before doing
anything. Its why we beleive so strongly in the planning
process. When you know your ?why? and your ?what? then
decisions become much clearer.
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Annuities |
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Ken Fischer hates annuities. But he doesn't really know
how they work, nor does he want to. He makes alot of
money by scaring people with outrageous statements while
failing to explain how much he charges for his services.
On the otherhand, we love annuities -when our clients
actually need them and understand their purpose in an
overall retirement income strategy. Annuities don't have
to be scary, or hated, or bad. But when used incorrectly
they certainly can be. So don't be afraid to ask
questions. We try to help our clients make educated
choices related to using annuities to create lifetime income for themselves.
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Wealth Management |
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Wealth management encompasses many different aspects of
personal finance. And for clients with high net worth
(over $3 million) there are many intricacies... especially
tax planning and legacy planning that become increasingly
important to managing wealth for current and future
generations.
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Money Management |
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While we do help clients with their budget, for people who
struggle with debt and bill paying we have partnered with a
local company who is better equipped to handle those special
situation.
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Wealth Management |
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When you have been successful, it seems like their are more complications than when you didn't have any money. Wealth management encompasses more than investing -it includes tax planning and risk management, as well as estate planning. And then there is the everyday cashflow issues of running a household. We help clients think thru what they value most and build a plan that fits their personal situation.
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