Services
There's no time like the present to prepare for those long-awaited days of pursuing your passions, whether it's learning to play golf or nurturing your grandchildren. We can help you maximize the amount of free time you so richly deserve. By working with us now, we can arrange all the details that will affect your financial future, sparing you and/or your loved ones from having to make difficult decisions later.
Wealth Planning
This is where our specialists in tax, asset allocation, investment research and estate distribution develop a comprehensive accumulation and preservation plan that best meets your needs and goals.
Estate Planning
Establishing an estate plan as part of your comprehensive wealth plan can be one of the most effective ways of lowering estate taxes, while providing for your family and leaving a legacy for the future. We offer the following estate planning services:
- Coordinate with your attorney to implement your estate plan from beginning to end
- Re-title assets to reduce or eliminate estate taxes
- Re-title assets to avoid probate
- Bi-annual estate planning reviews
- Long-term care planning to help clients decide how to pay for potentially devastating long-term care bills
- Legacy Planning in fulfilling last wishes, and in effectively transferring assets, personal possessions, and key values and beliefs
- Charitable gifts
- Estate tax considerations
- Trust considerations
Risk Management Planning
Our risk management team will evaluate your non-financial risks, such as umbrella coverage, long-term care coverage, life coverage and medical coverage to be sure the unexpected does not put a halt on your future retirement.
Small Business Planning
Our business planning professionals will consult with you to evaluate or establish employee retirement plans, executive compensation and business buy-sell/ continuity strategies. We will meet with you and/or the key team members of your organization, on a complimentary basis, to explore how we can best meet your needs.
Estate Planning
Through our lives, we spend so much time worrying about making a decent living. Questions like, "Will we have enough for a new house? Can I afford that new car? Can I take that trip I've always wanted to take?"
But the years pass. Our clients have built up an estate, and achieved success. Their focus starts shifting away from taking care of themselves, to ensuring their loved ones are cared for after they're gone. That's what estate planning is all about.
Business Planning
Most business owners believe that the most integral part of business planning is ensuring the stability of one's business in case they die or become disabled. But it is more than just that. It is also very important to reward themselves and their key people while they are still living.
Most business owners Financial Management, Inc. has worked with, do not have the time to effectively plan for some of their business' basic financial needs. We help owners grow their business and meet their personal financial goals by establishing a healthy balance between personal and professional needs.
Retirement Planning
Everyone wants a golden retirement. But saving for retirement is no easy task. The baby boomer generation is graying. More and more people are approaching retirement age. With Social Security's assets being consumed and the number of workers that will support it shrinking, we will have to rely more on our personal savings when it's time to retire.
Today, we have a myriad of options to help each of us prepare for the golden years. Yet, without a specific plan of action, many people find themselves falling short when it is time for them to live off of their life's work.
Insurance Planning
You got where you are today by working hard and working smart. This means using all your resources to their maximum. Your time, talent, and resources are on the line and at risk. It is imperative that your financial and estate plan takes into consideration the risks that you, your family and your business cannot afford to take.
In a portfolio, you diversify risk, but when it comes to protecting your ability to think, earn money, plan and create, how do you react? To protect your family, business and assets, the risk to your abilities also must be diversified. The least expensive and most intelligent method is through Insurance. We are experts in helping those we serve, and protecting what they care about:
- Life Insurance
- Disability Insurance
- Long Term Care Insurance
Without the proper amount of coverage, a financial or estate plan may fail, leaving you and your family with many unmet dreams and goals. Potentially causing financial devastation!
Securities and financial planning offered through LPL Financial, member of Securities Investor Protection Corporation (SIPC). For an explanatory brochure, please visit SIPC.org. LPL Financial is also a member of FINRA and An Investment Advisor.
