Strategic Financial Planning
Our team of CERTIFIED FINANCIAL PLANNER™ professionals can help you address retirement income, tax-efficient distribution strategies, risk management, investing, conservation, and wealth transfer strategies.
As a CFP® and independent investment advisor, we are required to fulfill and maintain a fiduciary duty with our clients. This means we put our clients’ benefits first acting in your best interest and provide full disclosure of all material facts, exposing any potential conflicts of interest.
Let us help clarify and prioritize your financial goals and objectives with a written plan that ties together your spending and savings, taxes and inflation. One that also adjusts so you are prepared for unexpected expenditures and financial emergencies as they arise.
Every day we face challenges managing our finances. Stock market swings, fluctuating interest rates, taxes, debt and inflation – the effects can be unsettling. In times like this, creating a solid financial plan can be a critical step in ensuring future financial security.
One thing is certain; the future will come, regardless of whether we are ready or not.
We can help you achieve your financial goals and will give you the guidance to:
- Save for retirement.
- Generate retirement income.
- Determine proper insurance coverage.
- Help you develop strategies to manage your financial future.
Offer personalized programs to help you achieve your unique goals.
As a client, we will develop a results-focused plan to ensure that your unique objectives will be given the best opportunity for success.
Baby boomers are redefining age and retirement. Realizing the retirement of your dreams starts with your own personalized definition.
Take some time to imagine what your retirement lifestyle would be like, and then consider these questions:
- Where will you live?
- What will you do?
- What activities will you participate in?
- Will you have enough income to maintain or elevate your current lifestyle?
- What can you do now to better position yourself for a successful retirement?
The earlier and more carefully you plan, the more likely you are to realize your vision of the future and enjoy yourself when retirement actually comes. Strategic Financial Planning can guide you step-by-step through the retirement planning process and help you create a plan that meets your unique goals and objectives.
Protecting your hard-earned assets in perhaps the most volatile era in generations can be easier than you think. And there may not be a more important time than now to safeguard all that you’ve worked so hard to achieve.
Integrating fixed-index annuities into your portfolio can protect you from market loss during a downturn while giving you the opportunity to realize market gains during the good times.
Choosing the right fixed-index annuity can provide the best of both worlds – security and results. We have an in-depth portfolio of the most competitive, guaranteed and safe annuity products available to the general public today.
Annuities, like everything else, are continuously evolving. The features and benefits of a fixed-index annuity today compared to even a few years ago are as different as the comparison between an apple and an orange. One of the biggest innovations of modern indexed annuities is the ability to custom design and deliver an annuity that perfectly matches the individual needs of the client.
According to the Federal Government, over 60% of senior citizens will experience the need for long-term healthcare at some point in their lives.
Unfortunately, the vast majority of seniors have no protection from this very legitimate threat. Some cannot qualify due to poor health, some assume the government will take care of them, some cannot afford the premiums and others are simply in denial of the potential disaster of a long-term care situation.
For those without long-term care coverage, there is good news. Over the last few years, there have been some highly innovative solutions developed that can help individuals protect themselves at very affordable costs. At the very least, we strongly encourage you to explore your coverage options.
A traditional Individual Retirement Account (IRA) is a personal tax-deferred retirement plan established for those who receive compensation or earned income from employment, those who are divorced or separated and receive taxable alimony or maintenance payments and have not reached the age of 70 ½. IRAs were created to provide individuals with the opportunity to build their own tax-deferred retirement savings program.
One of the downsides of IRAs is that every year, millions of Americans are forced to take a Required Minimum Distribution (RMD) from their IRAs and qualified plans starting at age 70½. This RMD, drastically decreases the amount that will be left for their beneficiaries after they’re gone.
We have a broad portfolio of IRA/RMD solutions that can give you the freedom to withdraw your RMD each year and still be guaranteed to leave at least 100% of the original premium as a death benefit through the age of 88, regardless of market conditions.
We work closely with our clients to help them make the best decisions possible about income & retirement planning regardless of current economic conditions. We are passionate advocates for our clients and believe deeply that they should retain, grow and transfer all that they have worked so hard for. Contact us today and let us craft an individualized retirement income plan that is as unique as you are.
There are few things more important to successfully transferring wealth than solid financial planning. The failure to plan a tax-efficient wealth transfer can greatly diminish the amount of wealth that ultimately reaches the next generation. With so much focus on building an effective retirement plan, creating an equally effective plan for transferring hard-earned assets can unfortunately be an afterthought.
Some key points to consider when planning a tax-efficient wealth transfer include being proactive, involve family members in the process, find an experienced and trusted advisor, explore the various options and develop a charitable giving plan.
With sufficient time and planning, you, your family and your advisors can design a wealth transfer plan that is both tax-efficient and fair to all. Proper planning for wealth transfer is an area of specialization for Strategic Financial Planning and we welcome the opportunity to help you craft a plan that you and your family can be proud of.
Advisory Services offered through Sowell Management Services, a registered investment advisor
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Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.