Advice & Services
Advice
Financial freedom comes when you are able to make choices and have minimal risks. Our four step process helps enable you to have freedom and choices about things that are important to you:
- “Only Write on the Back of Checks” – Work towards being debt free – no mortgages, no loans, and no obligations. The only time you go to the bank is to make deposits.
- “Have a Comfortable Budget, and Live Within the Budget” – Establish a lifestyle you want, and live within that lifestyle.
- “Have an Income Strategy that Provides Enough for Your Budget” – Fund your strategy from employment, business ownership earnings or your portfolio.
- “Diversify with Quality” – Diversify your financial and your real property assets, so they compliment, providing the comfort and lifestyle that you determine.
Services
| Financial Planning |
| Portfolio Review Meetings – Meet with us for a portfolio review as often as needed – quarterly, semiannually or annually. |
| Prosperity Tracker™ – A custom, hypothetical analysis that helps answer the question, “Will I have enough to retire?” It looks at your current portfolio, savings rate, and anticipated spending at retirement. |
| 401(k) Advice – We periodically review your employer’s retirement plans to coordinate these assets with your other assets. |
| Education and Wisdom – meet with you and your family members to answer questions or address financial concerns. |
| Strategic Advice – Offer advice on buying, leasing, renting, or financing of homes or vehicles; Review education funding strategies; Provide loan refinancing analysis, home mortgage analysis, and life insurance analysis. |
| Personal Attention |
| Keeping you top of mind – Monitor changes in your life and family situation and proactively keep in touch with you.
Professional Referrals and Collaboration – Refer you to tax or legal advisors as needed. WealthVision™ is a powerful new web-based service designed to simplify your life by consolidating all of your accounts, assets, and information into one secure location, making your personal financial life easier. |
| Investment Management |
| Statements – All monthly LPL Financial statements and quarterly reports include gain and/or loss information, which is helpful at tax time (paper or digital).
Performance - Look “inside” your mutual funds to compare how many of the holdings duplicate each other. Potential - Develop strategies that can help convert your investments and resources into lifetime income opportunity. Research and Evaluation - Research stocks from both our firm and third party independent sources; and evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds. |
| Tax Planning |
| Retirement – Suggest alternatives strategies to reduce your taxes.
Review – Examine tax returns with an eye to possible savings in the future, and stay up-to-date on tax law changes. |
