Client-Centered
We have over 60 years of combined experience in the financial and insurance industries. Our goal is to educate, empower and create clarity for our clients while developing customized, robust and efficient strategies to meet their financial purpose for themselves and their families.
When you are on your financial journey, you should be aware of:
- market & interest rate risks
- inflation or cost of living risks
- various taxation risks
- pre-mature death or disability risks
- longevity risk (outliving your assets)
- inadequate savings rate risk
- health cost risk
Do you share any of these concerns?
Six Main Strategy Planning Areas
Each person and family face unique challenges & obstacles, not only as they prepare for retirement, but also during their retirement years. Just like the photography on the right, financial planning can be confusing. It is better to have a true understanding on your journey before you begin a path and later determine you have been moving further away from your ultimate goals little by little.
- Protection Strategies
Let’s face it – the unexpected in life is inevitable. It is vital to be prepared for anything so that you can confront any obstacle in your path head-on to keep yourself and your loved ones secure. When you work with our team, you have a multitude of options at your disposal so that you can feel ready to take on anything that comes in your future.
- Retirement Income Strategies
The definition of "retirement" is different for each of our clients. When to retire is an individualized decision. We assist our clients in answering the important questions that affects their accumulation and distribution years. Ultimately, in many cases, we show how our clients may be able to maximize their retirement income by 30%-50% without saving additional dollars. This area incorporates all aspects of assets, investments, IRA, Roth IRA 401k, real estate income, public or private pensions, social security etc.
- Investment Strategies
This area focuses on how we assist our clients in growing, allocating, managing, distributing and maintain their investments throughout their financial life. We use financial tools that helps our clients understand and stay on track by setting the expectation on how their portfolio may perform over time with their appropriate risk profile. Main focus is minimizing emotional investing decisions.
- Estate Preservation Strategy: Extreme Retirement Dilemma
This area uncovers a reality that many are not equip to handle emotionally & financially. What is it? A long-term/home care event. When a client's expense increases dramatically due to medical and custodial care. This could have a detrimental financial effect on assets with severe consequences for the person and their loved ones. Think about it, this it is an expense problem that may exceed one's retirement income plan as well as an estate preservation dilemma.
- Business Planning Strategies
A focus on our clients that own a business. Additional strategies can be implemented to take advantage of the four business stages: 1. Start-up 2. Growth 3. Maturity and 4. Transfer. Each stage has their own areas that we can assist.
- Charity Strategies
In plain words Charitable Giving can be defined as an act of giving money, time or some goods to unlucky or inopportune people, directly or through a worthy cause like a charitable trust. Businesses and individuals also make some charitable giving or contributions every year for reducing their tax bills. So the idea of Charitable Giving can also be linked with writing off from your income by giving something in charity.
