“The solutions all are simple….after you have arrived at them. But they are simple only when you know already what they are.”
– Robert M. Pirdig, American Philosopher
Life Event Solutions
Seek to building a solid foundation using goals-based, financial planning that is on-going and accessible so we can focus together on meeting and exceeding important milestones, regardless of market conditions and performance.
1. Risk Management – Insurance (Life and Long-Term Care)
- Analyze insurance needs based on income, health, age, investment portfolios, education needs, goals and objectives
- Evaluate current life, disability, long-term care, health, umbrella, property and auto insurance and look for opportunities for improvement or money savings
- Provide guidance on property and casualty policies
- Provide advice for long-term care insurance, types of coverage, riders, cost benefit analysis
- Provide advice on disability insurance and planning for loss of income
- Provide advice on elder care issues
- Analyze liquidity needs for estate tax purposes, gifting and inheritance planning
2. Education Funding
- Provide access to education investment accounts, e.g. 529 plans, custodial accounts, Education Savings Accounts, IRA’s and Savings bonds
- Establish and monitor financial education programs
3. Client Education and Monitoring Process
- Provide investment information with a comprehensive approach
- Keep you up to date with product, service, strategy changes and improvements
- Conduct ongoing communication through face to face meetings, telephone conferences and web based conferencing
- Provide appointment summaries
- Send monthly newsletters or updates
- Provide positive encouragement and motivation for effort and successes
- Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
- Support you through life’s transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
- Encourage you to save and invest
- Help you understand the various attitudes toward money and the financial decision making associated with each of them
- Resolve problems quickly
- Educate you on the potential tradeoffs of financial decisions and how they relate to goals
- Provide economic and stock market updates and explain what it means to you
- Help evaluate the economic news with you and make decisions accordingly
- Constantly seek out professional education for myself to better serve you
4. Client Access, Online Vault and Performance Reporting
- Constant access to account performance via computer or mobile device
- Personal budgeting tool
- Secure online vault with unlimited space for important documents such as: wills, trusts, insurance policies
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