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Financial Planning Services
Our comprehensive financial planning service provides you with an objective evaluation of your overall financial health. It includes specific suggestions for helping you reach your goals and build a secure future.
- Investment Review and Portfolio Management
- Retirement Planning
- Insurance Review
- Estate Planning
- Personal & Family Financial Issues
Investment Review We follow a disciplined, objective methodology in evaluating your portfolio. This is done through Main Street Financial, a registered investment advisor which operates on a fee-only basis. Fee-only means that we accept no commissions and we have no investments to sell so we work for you, not for some brokerage house, insurance company or bank.
Retirement planning Longer life expectancies and higher living standards require that more be set aside for our retirement years. Social security and company pension plans can no longer be relied upon to provide a comfortable retirement. Your retirement is mostly your own responsibility. Changing tax rules have given us more opportunities and more choices in how to save. We can help you sort through those choices. We will analyze your projected needs, your available sources of income and your existing investment plan, and make suggestions as to how much and how you should be investing. If you participate in a 401K plan, we can help you choose appropriate investments within your plan. If you are self-employed, we will show you how to set up your own retirement plan. If you are near retirement, we can advise you on distributions, rollovers, beneficiaries, etc.
Estate planning We understand that this is everyone's least favorite area but we can help you address the important issues. If appropriate, we will suggest planning ideas to save taxes and preserve more of your assets for your heirs.
Insurance We do not sell insurance but we can help you decide what types of insurance and how much of it you should carry. Failure to carry sufficient insurance can be financially devastating to a family, but carrying too much can be very expensive. We will review all the different types of insurance you have (such as homeowners, life, disability) and analyze what types of coverage, and how much of it, you should have. We can also help you decide if long term care insurance is appropriate for you.
Personal & Family Financial Issues With our down to earth style and approachable manner make it easy for you to discuss even the most personal concerns such as budgeting for the household, college savings plans, consumer debt management, and divorce related issues (pre-divorce & post divorce planning).
