A process designed to give clarity to your overall financial situation.
Traditionally, planning for retirement has been focused on rate of return, risk and reward analysis and, ultimately, the creation of a suitable strategy geared toward accomplishing a client’s goals. While a realistic financial review certainly incorporates those important aspects, it also looks at your financial situation in a different way by first understanding your priorities and then considering how insurance products and other financial vehicles may have been overlooked or inadequately addressed as part of your overall preparations for retirement.
It begins with you.
We’re committed to the financial independence and well-being of each and every client we serve. That’s why it is our responsibility to thoroughly understand your goals and objectives, so that we can leverage our experience to help you realize them.
The realistic financial review process can help identify potential problems within your retirement strategy. Sometimes, we find that our clients’ finances are not properly aligned with their future financial goals. Our realistic financial review process can help you achieve a better understanding of your current financial situation so that you can make informed decisions about the financial tools you may need based on your unique situation. By strategically partnering with qualified attorneys and tax professionals, we can also help ensure that your legal documents are in order and that you have a tax-efficient strategy for the preservation and distribution of your retirement assets.
Then, with all the facts presented, you decide how to proceed. Together, we may decide that only small changes are necessary or that no changes are needed at all. Regardless, a realistic financial review is empowering because it allows you, with clear vision, to see (maybe for the first time) where your retirement savings and planning are actually going to lead you — empowering you to make sure you’re on the path that leads to where you want to go.
Why Should You Consider a Realistic Financial Review?
Most people don’t realize precisely how important it is to pick the right retirement income tools and vehicles when planning for retirement. Where you elect to place your hard-earned money can affect the level of your income distribution, your future income taxes, your capital gains taxes or even taxes on your Social Security income.
For example, depending on what your portfolio currently looks like, you may be subjecting retirement assets intended to help you achieve your future financial goals to unnecessary market risks. Assets that are not properly allocated could also subject your estate to the costs and delays associated with the probate process. Probate is a legal matter best handled by a qualified estate planning attorney with whom you should consult for advice.
The realistic financial review applies the skills of our internal investment advisors and our strategic partnerships with tax and legal professionals to help organize your legal, financial and income planning, to help you ensure you have an appropriate plan of action to achieve your future financial goals.
How it Works
If you have concerns about your financial future or the future of your loved ones, we can provide a realistic assessment of your financial needs to lay the groundwork for a genuine plan of action that can help you achieve a confident and independent retirement.
We’ll start by addressing your concerns. Our review process is about problem solving and driving toward your goals to help make the process a success. Based on your needs, we consider a number of areas, including: tax strategies, money management, asset protection, insurance planning and legal documentation. A realistic review is about coordination and focus on a plan of action — your plan of action.
Measurable Results Without the Guesswork
Your previous financial strategy may have been focused on the growth of your assets by adopting a “buy and hold” strategy whereby you invested in the market and held onto those assets for an indefinite period of time before gains could be “realized.” Our process is much different. Through the use of insurance and other financial products, the time period to measurable, quantifiable benefits is clearly defined.
Personalized Financial Strategies
Our clients bring in financial concerns as different and unique as each of their own fingerprints. We understand that everyone has their own path to a confident and comfortable future. Therefore, our process is geared toward showing our clients various strategies that can help them meet their future financial goals.