James Claiborne, CFS, ChFC

Financial Planning for Individuals

Our approach is goal driven and based on the particular needs of each and every one of our clients. We believe in building, monitoring and implementing a financial plan as a starting point to give us a direction we need to go to get our clients to their destination. We build a partnership with or clients and track each and every goal outlined to make sure we are accomplishing priority items that need to be addressed. We monitor and update our client?s life changes by using what we refer to as a ?Client Roadmap? which is a cycle of life blueprint that shows different goals we address over various time periods. This is updated on a quarterly basis and designed to keep track of priority items to address. We provide objective advice by aligning ourselves as an independent wealth management firm which enables us to access virtually an unlimited resource network of investment options and planning resources. Once we build the financial plan, the recommendations are implemented by finding the most competitive investment options available, explaining the differences and finding an appropriate fit for our clients.

Financial Planning for Businesses

Our business financial plans incorporate the important business planning concerns for the ownership by addressing items such as business continuation, tax planning and tax favored benefit plans that address all types of financial market conditions. We sit down with ownership and complete a philosophical business questionnaire together that provides us with an insight as to the legacy planning intended, options for asset protection trust planning and what will happen when it is time to exit the business. Our expertise in business planning is complemented with a team of allied professional advisors who work together to build our business plan from a legal and accounting point of view.

Insurance Planning

We begin the financial security part of the plan by taking inventory of insurance policies so we can analyze and make observations that may or may not be consistent with the needs analysis we provide in the client meeting process. The insurance need is first determined then we look at the top rated companies using a comparative side by side analysis to determine most appropriate fit. Everything is based on the outcome of our needs analysis

Financial Planning for Individuals

Our approach is goal driven and based on the particular needs of each and every one of our clients. We believe in building, monitoring and implementing a financial plan as a starting point to give us a direction we need to go to get our clients to their destination. We build a partnership with or clients and track each and every goal outlined to make sure we are accomplishing priority items that need to be addressed. We monitor and update our client?s life changes by using what we refer to as a ?Client Roadmap? which is a cycle of life blueprint that shows different goals we address over various time periods. This is updated on a quarterly basis and designed to keep track of priority items to address. We provide objective advice by aligning ourselves as an independent wealth management firm which enables us to access virtually an unlimited resource network of investment options and planning resources. Once we build the financial plan, the recommendations are implemented by finding the most competitive investment options available, explaining the differences and finding an appropriate fit for our clients.

Financial Planning for Businesses

Our business financial plans incorporate the important business planning concerns for the ownership by addressing items such as business continuation, tax planning and tax favored benefit plans that address all types of financial market conditions. We sit down with ownership and complete a philosophical business questionnaire together that provides us with an insight as to the legacy planning intended, options for asset protection trust planning and what will happen when it is time to exit the business. Our expertise in business planning is complemented with a team of allied professional advisors who work together to build our business plan from a legal and accounting point of view.

Insurance Planning

We begin the financial security part of the plan by taking inventory of insurance policies so we can analyze and make observations that may or may not be consistent with the needs analysis we provide in the client meeting process. The insurance need is first determined then we look at the top rated companies using a comparative side by side analysis to determine most appropriate fit. Everything is based on the outcome of our needs analysis

Retirement Planning

Strategies included utilizing the concept of dollar cost averaging, investing early and often, paying you first and taking advantage of tax favored programs available. We advise our clients to take full advantage of tax favored benefit plans available while creating non-IRA assets for future opportunities and flexibility prior to age 59 ½.