What is Financial Planning?
Simply put, it is the process of assessing your current situation, determining your goals, and creating a plan to achieve them. The plan will naturally evolve over time as life, legislative, and tax changes come your way.
To some, it may look simple. It doesn’t help that there are countless “gurus” who will sell you on an idea, book, or a ‘one size fits all solution’. Or maybe even a specific investment vehicle that may or may not be in your best interest. However, there are many variables to consider when creating and implementing a solid financial plan: Asset allocation, sequence of returns, taxes, insurance, and estate planning are some major ones. It’s also important to note that many factors vary from person to person, state to state, and of course change over time.
A common misconception about financial planning is that help is needed when you are in trouble. In reality, professional help is necessary so that you stay out of it, and position yourself in a way that prepares you to face the unforeseen instead of reacting to it. The earlier you seek advice, the better, because it’s impossible to make the best decisions when you don’t know what options are available to you.
That is where we come in. We have dedicated our careers to helping families reach their financial goals knowing they’ve made the best decisions. Our team combines years of education, experience, and industry leading software to build a plan specific to your goals. We then implement the most efficient strategies that align with your needs and tolerance for risk.
Recognizing the value in teamwork, we’ve taken great strides to build partnerships with experts across related fields. We will never tell you that we know it all, but we can confidently say that we have access to those who do. Our partnerships bring you access to the knowledge of industry experts in things like asset management, estate planning, tax, long term care, life insurance, and more. Leaning on a team helps us confidently match you with the proper investment tools and strategies, seeking safety and guarantees where possible and necessary. We do this to build a complete plan that encompasses all the various aspects of your situation, no matter how unique, and how it may change with time.
By being invested in you and in the success of your plan, we aim to quiet the noise and create security for you and your family. Our goal is to bring stability to the financial backbone of your life.
