Financial Services

Helping You Build a Solid Foundation For Your Future With:

  • Retirement Planning and I Already retired…Helping Make Your Money Last
  • College Planning
  • Estate Planning
  • Emergency Funding

We will work with you to determine risk tolerance and we will monitor your assets as needed, necessary to afford you an additional level of account management.

Would you leave your house on vacation without knowing how to reach your destination or what you could afford to Spend?

“The typical American will work over 90,000 hours earning a living. Most spend less than 10 hours preparing for a successful, comfortable retirement.” ~ Jack Root

 

What is the biggest Mistake Most People Make with their Money?

Answer-They Don’t Have a Financial Plan!!!!

A  Yale University study examined the results of a graduating class 20 years after graduation.  3% of the graduates from this class had written life and career plans.  This 3% were more successful than the other 97% combined.

The chances of losing or making money in equities over time are as follows:

  • 1 Year Holding period- 73%  chance of Gain
  • 5 year Holding Period- 92.5% Chance of Gain
  • 10 year Holding Period-95% Chance of Gain
  • 20 year Holding Period-100% Chance of Gain
  •  Source: DJIA

Where Do You Want Your Money?

Planning +  Perseverance + Diversification = Smart Investing

Investment Types

STOCKS= Units of ownership of a publicly traded corporation.

BONDS= an IOU or debt security issued by a government or corporation that generally pays a stated rate of interest as well as the stated face value on the maturity date.

MUTUAL FUNDS= Are a collection or portfolio, of stocks and bonds.  When you invest in a fund, you are purchasing shares in a multimillion dollar portfolio.  A mutual fund pools the money of its shareholders and invests in many securities.  Each mutual fund has an investment objective.

ANNUITIES FIXED & VARIABLE= Are investments backed by an insurance company that offers a stated rate of return and maturity as a fixed contract would offer.  A variable annuity is an insurance company offered investment that provides for participation in the market and as a result the performance will vary with the results of the investment choices.

Tax Sheltered Investments

REGULAR IRA= Individual Retirement Account pre-tax investment grows tax sheltered income stream is taxable, Limited investment amount per year.

IRA ROLLOVER= Tax-free transfer of account value from a qualified retirement plan to an individual retirement account.

ROTH IRA= After tax investment that grows tax sheltered and provides a tax free retirement income stream.  Limited investment amount per year.

EDUCATION IRA= Can be established by any adult and offer tax-free earnings and withdrawals for qualified higher education expenses.   Limited investment amount per year.

529 PLAN= Save for college and takes advantage of Section 529 of the Internal Revenue Code.  The plan combines tax benefits with professional portfolio management and allows you to control withdrawals for the life of the account.

UNIFORM GIFT TO MINOR ACCOUNT (UGMA) = Tax advantaged account to provide funds for college.  The assets automatically transfer to the child when they reach legal age.

SEP IRA= a retirement plan that provides employees the ability to contribute pre-tax earnings and invest directly into a retirement tax sheltered account with the addition of employer contributions.

SIMPLE IRA= A retirement plan that provides employees the ability to contribute pre-tax earnings and invest directly into a retirement tax sheltered account with the addition of employer contributions.

401K PLAN= Allows you to save for retirement, lower your taxable income, benefit from tax-deferred compounding of account earnings, and choose investment selections that suit your needs.  Employer contributions are available in some plans.

FIXED AND VARIABLE ANNUITIES= Can be used as a stand alone vehicle or can be used in conjunctions with a retirement plan or as an IRA or IRA Rollovers.

Take an active role in your financial future. You must Pay Yourself First each month and develop a positive investment discipline.

Get Started:

Do you have a specific investment idea or question? Let us help. Contact us today!