Financial Planning

What is the value of advice?

A secure retirement. Funding a child or grandchild’s education. Building wealth to pass on to heirs. These are common investment objectives and with good reason – people want to feel confident financially while also providing for the ones they love. But just because a goal is common, doesn’t mean the approach should be.

My job as a financial advisor is, first, to understand you and your specific circumstances and, second, to use that knowledge to tailor a plan to help you meet your financial goals. And let’s be clear, a tailored plan goes beyond simply choosing investment products. It entails a deep knowledge and appreciation of your objectives, needs, long-term goals, time horizon, risk tolerance and – most importantly – your personal values.

The financial planning process

No matter your financial destination, we believe a comprehensive plan offers the greatest potential for getting there. A personalized written plan – one supported by products that fit your investment profile – contains comprehensive strategies designed for you and enable us to identify your goals and take consistent action to work towards them.

We believe that being your Financial Advisor involves a long-term and meaningful relationship. You deserve individual attention, where your thoughts count and matter. Meetings consist of a two way dialog: Listening to your ideas and goals and then offering our advice.

Plans may address any or all of these primary planning areas:

Financial Position
Investment Planning
Tax Planning Strategies
Education Funding
Risk Management
Retirement Planning.
Accumulation Planning
Estate Planning Strategies

After the creation of a personalized plan, meetings are set depending on your needs. During these meetings, strategies from your plan are implemented and monitored to help you stay on track towards meeting your goals. We offer guidance and support, and believe that financial planning is a lifetime relationship, not a one-time event.

It's important to keep in mind the four basic lifecycle phases of financial planning.

Accumulation

A saving and investing period that usually runs from your early working years until your late 40s.

Pre-retirement

A time to manage your funds and transition to more conservative investing, usually your 50s and early 60s.

Retirement

The time when you begin your post-work life and live off your investment income.

Legacy

A time to pass down what you’ve learned and acquired to the next generation.

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"Dont be delinquent in payments to your future."

Cameron K. Reed
Co-founder, Waddell & Reed Inc.