Why we do it? Other financial advisors might consider us backwards. We view our service in a different way. Most firms will tell you what they do, how they do it, and then leave it to you to figure out why they do it, but you never really get a sense of why. We start with the why. Why we do this is simple:
- We grew up with families and friends who are not wealthy. They did not have access to inside information or inheritances so they had to work.
- Most have worked long hours and days to provide for their families because they realized what was important. It was not the accumulation of money for its own sake, but to protect their family's future and to enjoy the time together.
- Some are veterans who have served this country for many years with the understanding they would not be rich with money but rich with the knowledge that they should be secure in their financial futures, just as they had helped to secure this country's future.
- Or they worked for institutions that promised to provide pensions and health care for life so they could enjoy the later years, not worrying about chasing paychecks, but chasing grandchildren.
Most media outlets and institutions would have you believe it is more than that, but really it is simple. We understand that there are two assets that are more important than money, and that is family and time. We understand that so we treat them both as you would, because that is what we believe.
How? How we do this is by providing the highest quality advice, information, services and products available. We can do this because we are independent and not restricted by mandates and quotas that the average person, who is not in our business, does not see.
What? What we are happens to be independent financial advisors.
The Rule of 72
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
Systematic Withdrawals in Retirement
Taking regular, periodic withdrawals during retirement can be quite problematic.
What Do Your Taxes Pay For?
Here's a breakdown of how the federal government spends your tax money.
Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
A letter of instructions provides additional and more personal information regarding your estate.
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
Knowing your options when a CD matures can help you make a sound investment decision.
Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.
An increasing number have been developed to help individuals with their personal finances.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Estimate how long your retirement savings may last using various monthly cash flow rates.
This questionnaire will help determine your tolerance for investment risk.
Estimate your monthly and annual income from various IRA types.
This calculator can help you estimate how much you may need to save for retirement.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
There are some key concepts to understand when investing for retirement
Using smart management to get more of what you want and free up assets to invest.
Learn more about taxes, tax-favored investing, and tax strategies.
The importance of life insurance, how it works, and how much coverage you need.
Investment tools and strategies that can enable you to pursue your retirement goals.
The chances of needing long-term care, its cost, and strategies for covering that cost.
When do you need a will? The answer is easy: right now.
A bucket plan can help you be better prepared for a comfortable retirement.
$1 million in a diversified portfolio could help finance part of your retirement.
Three things to consider before dipping into retirement savings to pay for college.
Do you have causes that you want to support with donations? Here are three tips.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.