No matter where you are in your financial journey, we can help you choose your destination and chart a course that will set you up for the financial freedom you desire. We offer a range of services for individuals and families at any stage of life. It’s never too early or too late to start planning for your future.
Your Interests Always Come First
Our independence frees us to recommend solutions that we believe put your interests first.
Unlike other firms, we are never incentivized to sell proprietary products. We treat every client
the way we would like to be treated as we help you to Navigate Life’s Financial Journey.
With every new client, we embark on a comprehensive and integrated approach that takes into account all aspects of your financial well-being. Our process proceeds at your pace through the following stages:
We gather information about your current situation and goals for the future.
We present appropriate recommendations for your consideration.
We implement the pieces of the plan at your discretion.
We suggest an annual review to assess progress and needs.
*Offered through IC Advisory Services
The Components of Financial Planning
This is the goal of everyone we meet. We may be able to help manage your existing 401(k). We can help you decide what is best for any old 401(k) and existing IRAs. Is the Traditional or Roth option right for you? We’ll help you set reasonable expectations for taking withdrawals in retirement.
This covers many aspects of financial planning. Our goal will be to make sure your beneficiary listings fit your wishes and that you have the proper type and amount of life insurance. You will need to see an attorney to establish your will and final documents. We enjoy working collaboratively with attorneys to make sure your account details meet the requirements of your final documents.
Have you come into an inheritance or just have too much money in the bank? We’ll provide the proper management of savings and investments outside of your 401(k) or IRAs to meet your goals and time horizons. We stress the proper registration of your non-IRAs to benefit your survivors.
Saving for retirement is everyone’s goal. We’ll show you how to can use the savings you have built over your working years to generate additional income to supplement your Social Security and/or pension.
We can offer guidance on the college savings programs like 529 and Coverdale plans.
Risk doesn’t only apply to investments. We can help you choose the proper life insurance to fit your needs. We also offer disability and long-term care. We can provide basic guidance on home and auto policies, but you will need the services of an experienced, qualified property and casualty agent.
Income Tax Planning:
From our standpoint, income tax planning can involve the decision between the Roth vs Traditional IRAs, decide which account to take a withdrawal from, and which investments are better suited to be inside or outside of a tax-deferred account like an IRA. You will need a tax professional to prepare your tax returns. We are happy to work with your tax professional.
3 Ways an Advisor Can Make a Big Difference
According to Fidelity, one of the largest do-it-yourself brokerage firms, “A good advisor is a partner on your financial journey.” Fidelity acknowledges the following benefits of working with an advisor:
• Investors who work with an advisor are generally more confident about reaching their goals.
• Industry studies estimate that professional financial advice can add between 1.5% and 4% to portfolio returns over the long term, depending on the time period and how returns are calculated.
• Good advisors will work with you to create a personalized investment plan and identify opportunities to help grow and protect your assets.