Lisa J Hamilton, CFP^®
Hamilton Financial Planning, LLC

Financial Services

I work with businesses to make sure they are making financially sound decisions regarding their business. I will review your insurance needs to make sure you have adequate coverage and discuss risk being taken if you are under insured. I also can manage SIMPLE and SEP IRAs as well as 401Ks. I have several options for establishing employer sponsored retirement plans. I diligently work with you to choose the best plan for your business. Our 401K options come with varying degrees of management. I help all employees open their retirement accounts and will provide guidance on their individual needs if they want.

I use a comprehensive financial planning software to create your unique plan. My belief is that financial planning is ongoing and the plan needs to be reviewed on a regular basis. Periodic reviews help identify changes that may need to be made as a result of something that has changed in your life such as job change, death of a loved one, birth or adoption of a child or change in you or a family member's health. Without periodic reviews, your plan becomes outdated and you may no longer be on track for reaching your retirement goals. My commitment to you is to make sure we have regular reviews and make any necessary adjustments that may be needed as a result of your review. Lastly, my financial plans are free to my clients.

My mission statement is to help my clients work toward financial independence through planning. I want to spend time with clients to determine their goals and objectives, time horizon, risk tolerance, and help them make suitable financial decisions for their future. My mission is to build a long-term relationship making sure I understand your goals and aspirations and take measures to help you meet those goals. I aim to accomplish this through education, training, integrity, and outstanding client service.

I utilize all my resources to create an allocation tailored to your specific needs, goals, risk tolerance and time horizon. I do not create cookie cutter portfolios and I work hard to make sure your portfolio is specific to your needs and goals.

I work with you to create a financial plan that is unique to you. I help you determine your retirement goals and work to keep you on target for reaching those goals using a highly rated financial planning software. Together we establish a plan that helps define your retirement years and help you visualize what they will look like.

Many people are under insured. Insurance planning isn't only about life insurance but making sure you have the correct life insurance for your needs and risk tolerance. Depending on your financial situation, a long term care policy may be needed to help protect your assets from a Medicaid spenddown. There are many different types of policies and I will work to help you choose the coverage that best meets your needs and the type of care you would like to have if you experience a long term care event. Disability insurance is another area that many business owners neglect to consider. I will work with you to determine coverage you may need.

Some annuities are very simple and easy to understand while others quite complex and more difficult to comprehend. I work with my clients to first determine if an annuity would be a good fit for them. If an annuity is a viable option, I work to find the annuity that best fits their needs. I work hard to make sure my clients understand how an annuity completes their portfolio and how it works. Annuities are included in my regular reviews because once you are invested in an annuity, it still requires ongoing management.

Transfer of assets to beneficiaries and charities can become complicated. I will work hard to create a plan that will transfer assets to your beneficiaries and charities in the most efficient way possible. I am happy to work with your attorney as needed.

I provide guidance on the best way to plan for education costs. I take time to explain different options available and provide guidance on choosing the correct investment strategy to meet these needs.

I have held FINRA Series 7 since August 2016 and FINRA 66 since September 2016. These licenses allow me to work with clients for investment advisory accounts as well as commissioned accounts. I use your individual financial plan to help establish a path of action for you. I do not charge my clients for their financial plans. I want to make sure everyone has a plan because believe it is the foundation that investment decisions should be made on.

Review of all of your assets is vital to creating a complete and accurate picture of your financial situation. I will take a holistic approach making sure we address everything that is important to you including charities and family members. Additionally I will help you create a plan for the most efficient way to transfer your assets to your beneficiaries and favorite charities.

Everyone's risk tolerance is different. I perform a risk assessment to determine where you risk is and then create a portfolio that matches your specific risk. Additionally I make sure everyone understands what to expect given their risk and how their portfolio should grow over time and how it will perform during different market conditions.