We provide worldclass education AND AssiStance
Financial coaching
Our personal guidance and actionable strategies will propel you towards a future of success and financial freedom.
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Life Goals Financial Needs Analysis
Comprehensive assessment of your current financial standing. Tackle debt management issues by helping you understand your debt-to-earned-income ratio. Observe cash flow by reviewing income and expenses to calculate monthly discretionary income. Establishing emergency fund saving goals based on monthly incomes. Identify education funding shortfalls by examining estimated costs and possible ways to fund a college education. Solve retirement needs by shopping the industry and exploring how retirement income sources fulfill retirement income goals. Answering the question, when will the money run out? You'll look at the estate planning/preservation and we'll discuss the risks of not having an estate plan in place. Analyze the impact to retirement funds if you were to lose the ability of self-care and need long term care. Home in on survivor needs, examining immediate cash needs to assure lifestyle expenses are covered in the event of a premature death in the family. We'll also look at disability needs by assessing the impact of disability on the family's lifestyle, and ways to replace lost income.
Estate and legacy Planning
Comprehensive planning services ensures that you hard-earned assets are preserved to your wishes.
We will help you understand the process of creating:
*Last Will & Final Will and Testament
*Living Trust
*Medical and Financial Power of Attorney
*Health Care Surrogate Designation
*HIPAA Authorization
*Pet Trust (Optional)
Emergency Funds
Having 3-6 months of salary or expenses saved away, in the event of emergency, is critical to any financial strategy. We assist you with identifying high-yield liquid accounts to store and grow your emergency funds is an important aspect of your financial strategy.
Retirement Planning
Helping you identify your FIN or Financial Independence Number, which is what you will need to have put away or have access to, to ensure you are financially secured for a long retirement. We'll then educate you on the different types of retirement accounts that are available and best suited for your particular needs.
Retirement Account Rollovers
Rollovers to proper accounts can protect your retirement savings from market loss during your most vulnerable years and provide that steady stream of income needed to fund an amazing retirement. If you've recently switched jobs or careers, or if you're close to retirement, this will apply to you.
We assist our clients with rolling over the following accounts:
*401Ks
*403Bs
*TSPs
*457s
*IRAs
Insurance Planning
We assist our clients with identifying the correct amount and type of insurance needed to protect their goals and strengthen their financial foundation.
We have access to the following:
*Term Life Insurance
*Indexed Universal Life Insurance (IUL)
*Whole Life Insurance (WL)
*Key Person Life Insurance
*Health Insurance
*Disability Insurance
*Long-Term Care Insurance
*Property & Casualty Insurance
*Homeowners Insurance
*Car Insurance
*Pet Insurance
*Worker's Compensation
*Business Owners
*General Liabilities
*Commercial Auto
Long-Term Care Planning
The cost of formal and informal care rises no less that 3% each year. Ensuring a solid plan is in place is critical. We'll educate you on the average cost of care in your particular state and help you identify what your long-term care needs will likely be if you were to ever need care. We will also assist you with acquiring the proper long-term care plan for you or your loved ones.
College Planning
Start the planning process right away. College costs are increasing each year and to be prepared for those costs, we must begin saving now. Identifying and understanding what your college savings needs are, and doing so early, is crucial to the planning process. We'll help you understand what the costs are for the particular institution and also educate you on various products that can be used to achieve this goal.
Small Business Support
*Business Needs Analysis
*Wealth Management
*Retirement Planning
*Insurance Planning
Disability Planning
Employer 401Ks
*Employee 401K Rollovers
*Business Succession Plans
*Business Insurance Plans
*Business Valuations
*Debt Reduction
*Tax Advantaged Strategies
Debt reduction strategies
* Credit Card Debt
*Personal Loans
*Medical Bills
*Deficiency Balances
*Collection Accounts
*Past Due Bills
*Financial Hardship
*Unpaid Taxes
*Unfiled Returns
*Wage Garnishments
*Bank Levies
*Tax Liens
*Federal & State Tax Issues
*Audit Representation