Evaluate Your Needs

FINANCIAL WELLNESS:

Inspire Lasting Financial Change.

Health and wellness programs have grown in popularity as people embrace the idea of a better quality of life. The same can be said about financial wellness. According to WealthManagement.com, a survey revealed 90% of 250 companies surveyed were investing in financial wellness programs for their employees (April 18, 2016). But, what if your employer does not offer this resource? We have outlined a few tips to help you build better spending habits and find financial wellness on your own.

How will you achieve financial wellness?

[01] INVESTMENT PLANNING:

Just Buy Low and Sell High?

Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.

FIVE SMART INVESTING STRATEGIES: 

[01] Don’t Time The Market

[02] Asset Allocation

[03] Investment Selection

[04] Dollar-Cost Averaging

[05] Rebalance Your Portfolio

How will you make informed investment decisions?

[02] ESTATE PLANNING AND CHARITABLE GIVING:

Principles of Preserving Wealth.

What is the purpose of estate management? Estate management is about preserving the assets you’ve spent a lifetime building. It’s about protecting your spouse, children, or other heirs and ensuring that your assets are distributed how and when you want them to be. There are some fundamental estate management principles that can enable you to manage your financial and personal affairs during your lifetime and distribute your wealth after death.

How will you protect your legacy?

[03] RETIREMENT PLANNING:

Retirement Redefined.

Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

How will you redefine retirement?

[04] RISK MANAGEMENT AND INSURANCE:

Protecting Those Who Matter Most.

Life insurance has the potential to offer protection at a crucial time for those who matter the most to us. Life insurance needs are different at different times in life. During working years, life insurance may be able to help your loved ones avoid drastic changes in lifestyle in the event of your passing. During retirement, life insurance can be positioned to offer additional tax and estate benefits. Regardless of your life stage, consider reviewing your life insurance needs annually to account for changes in your family situation.

How will you protect those you love?

[05] CASH FLOW AND BUDGET:

Money Matters.

MONEY. One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work. Understanding money matters and managing your cash flow are an integral part of any sound financial management strategy.

Start implementing a plan that makes your money work as hard as you do.

How will you decide where your money is going?

[06] GENERATIONAL WEALTH PLANNING:

Countdown to College.

Most parents want to give their children the best opportunity for success, and getting into the right college may help open doors. According to the Census Bureau, 33% of American adults have a bachelor’s degree, and those with a bachelor’s degree earn 67% more on average than those with just a high school diploma.¹  Unfortunately, being accepted to the college of their choice may not be as easy as it once was. These days, preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.

How will you help those you love pursue their dreams and reach their full potential?

[07] INCOME TAX PLANNING:

Tax Management Strategies.

Understanding tax strategies and managing your tax bill are an integral part of a sound financial approach. Conversely, ignoring the tax ramifications of your investment portfolio may result in lower overall performance. Some taxes can be deferred, and other can be managed through tax-efficient investing. With a careful and consistent preparation, you can potentially reduce the impact of taxes on your overall investment returns.

Implementing a tax management strategy can help you manage every dollar in taxes you can.

How will you implement an effective tax strategy?

ARTICLES:

Articles include:
- What is an annuity
- Critical Estate Documents
- The Business Cycle
- Assess life insurance needs
- How Income Taxes work
- Spotting credit trouble
And much more!

Click on the link below to view our online articles.

CALCULATORS:

Calculators include:
- Saving for retirement
- What is my current net worth?
- Saving for college
- Long-term-care needs
- Social security taxes
- Paying off a credit card
And much more!

Click on the link below to use our online calculators.

PRESENTATIONS:

Presentations include:
- Principles of preserving wealth
- Your cash flow statement
- Long-term-care protection strategies
- Managing your lifestyle
- 5 smart investing strategies
And much more!

Click on the link below to view our online presentations.

VIDEOS:

Videos include:
- Supporting local business in a crisis
- Retiring in a post-pandemic world
- Dreaming up an active retirement
- The long run: women and retirement
- When markets react
- Saving for college 101
And much more!

Click on the link below to view our online videos.