Financial Planning

Protecting your assets and increasing your wealth is no longer a luxury but a necessity in today's fast-changing economy. Your estate planner advises you on the best path to reach your long and short term financial goals.

  • Annuities, IRAs and 401K Plans
  • Wealth Protection
  • Tax-Free Income for Life
  • Living Will
  • Trusts
  • Mortgage Loans
  • Reverse Mortgages

The foundation for investing starts with proper financial planning; setting goals, establishing a budget, gathering financial records and knowing your net worth. The financial planning process starts with gathering information. For the financial planner to do his or her job, that person must know your present financial structure, your goals and risk tolerance. The more knowledge that can be obtained the better the financial planner can do his or her job.

The next step involves helping the client answer the following:

  • What is the approximate time frame I am willing to keep my funds invested to achieve my investment objectives?
  • What current income do I need to obtain from my investments?
  • What future cash needs am I likely to have?
  • Are there any tax or legal issues that I need to consider for the portfolio's holdings?
  • Am I a conservative investor or an aggressive one?
  • How much volatility am I willing to accept in my portfolio to try to earn a higher return?

Only after the client has addressed these questions, and has a clear understanding of investment needs and goals can the financial planner begin to determine the appropriate asset mix and identify the right mutual funds, stocks, bonds and money market funds.

Usually a good starting point is to take advantage of any retirement plans that are available to you.

Whole or ordinary life insurance, universal or adjustable life insurance, variable life insurance, variable-universal life insurance, indexed universal life insurance, iul, iuls, equity indexed annuity, market value adjusted annuity, deferred annuity, immediate annuity, fixed period annuity, lifetime annuity, pure lifetime annuity, qualified annuity, non-qualified annuity, nonqualified annuity, single premium annuity, flexible premium annuity, equity indexed annuities, market value adjusted annuities, deferred annuities, immediate annuities, fixed period annuities, lifetime annuities, pure lifetime annuities, qualified annuities, non-qualified annuities, nonqualified annuities, single premium annuities, flexible premium annuities