Financial Planning

In today’s world it is important to be able to get not only the information but the correct information in a timely manner from a single reliable source. Each of the following areas are key to your financial strategies and should be looked at individually and independent of each other. Each of these areas are a major sources of conflict in your financial world. With our unique service we educate and support you in a way most financial planners could not support.

Retirement Planning

Retirement planning will be a crucial part of every person’s financial strategy. Will your pension plan be in force? Is social security going to be enough or even be available? How long will my money last with the cost of inflation increasing? These are just a few concerns of the public today. It is important to seek financial assistance to make sure you are making the right decisions for today and for your retirement. There should be no reason that your lifestyle has to suffer. Enjoy retirement and all that goes with it. With the proper tools and advice you can live your dreams everyday.

Insurance Planning

Have you ever heard the phrase "insurance poor". This statement was far too true for many of our clients. Although we hate to pay those premiums, insurance is necessary to protect what is important to us. It may be our home, or car. It may be our income and our ability to earn an income. It is also intended for those that we leave behind. Our loved ones depend on us. It is insuring a legacy and a lifestyle that can be passed to generations. We help determine what strategies you should implement to your insurance program. We help identify the proper products for you and your family’s needs. We also identify ways to save money on those premiums and free up cash for things like retirement, school programs, vacations and anything else that you desire. You can be properly insured without having to break the bank.

Our Home

The largest expense that any family has is their primary residence. It is the one area that could mean the most to you as you approach life changing events. Yet, it is often the most overlooked area in your financial strategy. Far too many people make financial decisions on their home without getting advice from a qualified financial planner. You should always look at the ramifications of refinancing, taking 2nd mortgages, and choosing the various loans available. With the proper advice your home could be paid off early. The mortgage payment then becomes available money to be used to enjoy life.

Sending the Kids to College

This stage is another very stressful time in a families’ life. Are you saving enough? What if they don’t go to school? I have 4 kids to put through school....what should I do? It is important to best match your plan or lack thereof to what fits your financial situation.

Help! I’m in Debt

There is one piece of advice that I can give you about debt. That is, "stop beating yourself up". It does not matter what got you to this point. There is nothing you can do other than get out of debt and make changes in your habits. Don’t continue to go through the cycle of accumulating debt, and then refinancing your home to pay off your debt. There is a famous quote that defines insanity "doing the same thing over and over and expecting different results". If you don’t learn to change your financial habits you will continue the insanity.

Budgeting

An analysis of your spending patterns will help us find the best money management methods for you. Knowing where the money goes is a crucial part of your financial security. It sounds silly but most people have experienced the feeling of paying bills yet not knowing where the money all goes. The components of a budget vary and are neither right nor wrong. Successful budgeting produces results. We will help you find the management method that will bring that success.

Family Issues

Families in today’s world are faced with many pressures. The pressure newlyweds have joining finances for the first time. One of the greatest causes for divorce in our country is MONEY. With a proper system husbands and wives don’t have to fight over money. As the definition of family changes throughout your life so must your financial plans. Deciding to add children to the mix and caring for aging parents are other areas of planning that are often overlooked. If you learn to apply a consistent system to the family issues, life will be much more pleasant and less stressful.