Services

We Integrate Your Financial Needs Into A Well-Orchestrated Plan Including Four Major Services
  • Financial Planning
  • Asset Management
  • Risk Management
  • Professional Liability Management
  • Social Security Timing

Financial Planning

Financial Planning is the process of organizing, evaluating and utilizing your financial resources to define and achieve your life goals. Our plans consist of the following eight parts:
 
Cash Flow Analysis – In the areas of debt reduction, budget planning or establishing savings.
 
Goal Setting – Unless written down in a clear, concise fashion, goals tend to remain just ideas.
 
We write down and help you track your financial goals with you.
 
Personal Net-Worth Analysis – Benchmarking your balance sheet (assets minus liabilities).Many people are surprised by their net worth because they’ve never seen it in black and white.
 
Income Tax Analysis & Reduction – A thorough examination of your current tax scenario to ensure minimizing your tax liability. We also identify and help create opportunities to redirect these cash flow savings into your retirement accounts.
 
Education Planning – It’s no small task to pay for a college education these days.
 
We calculate the monthly savings or lump-sum investment needed to meet your goal,as well as help you select the education plan to save for a future education goal.
 
Retirement Projections – We’ll help you answer the question, “How am I doing?”…and even more important, “What more can I/we do?” We’ll work with you to provide an evaluation of your current retirement savings and alternative strategies to help ensure greater financial security throughout retirement.
 
Social Security Timing -  
  • Will Social Security provide enough income to sustain you through retirement?
  • When is the right time to apply for your benefits
  • Will continuing to work affect your benefits or impact your taxes?
  • How do you coordinate other retirement income with Social Security?
  • Will COLA (cost of living adjustments) impact your benefits?
  • How will spousal, divorce-spouse, and/or survivor benefits affect you? 
 
Risk Analysis – Many clients may have been oversold disability, long-term care and/or life insurance, or ignored vital areas to protect their families and estates. We can often either adjust your coverage to a more suitable level, or obtain the same coverage for less premium, redirecting those savings into your retirement accounts and helping you to protect your hard-earned assets.
 
Estate Planning – Don’t let Uncle Sam become your largest heir. Leave what you want,to whom you want, when you want, by planning today, maximizing the transfer of your wealth and control while minimizing taxes.
Asset Management
 
Our Asset Management Services cover the day-to-day oversight of your investments, and consist of the following five elements:
 
Personal Profile – Includes your individual investment needs and objectives, time horizon,preferences and attitude toward investing.
 
Asset Allocation Plan – Helps to manage your investment returns relative to your desired degreeof safety through careful and custom diversification Asset allocation and diversification do not guarantee against loss; they are methods used to help manage risk.
 
Institutional Quality Implementation – Your asset allocation policy may be managed by institutional money management firms not normally accessible to individual investors.
 
Ongoing Assessment – Your investment portfolio is carefully monitored on a continual basis to ensure it remains consistent with often-changing needs and goals.
 
Periodic Rebalancing – We “manage the managers” to make sure they stay within your objectives, rebalancing your portfolio on an annual basis, or as needed, with quarterly reports.

Risk Management

There is nothing worse than working hard all your life to accumulate a comfortable retirement only to have it disappear due to a long-term illness or health catastrophe. We use strategies that protect your assets if you suffer a physical incapacity or death. We have various strategies to help reduce your asset exposure to income taxes and estate reduction due to inadequate planning.
 
Even worse is to have Uncle Sam become your largest heir. Our Asset Management Service helps those who wish to leave what they want, to whom they want, when they want, with a minimum of taxes and maximum control. For those clients who wish to leave a legacy that represents their values, we help create a thoughtful, flexible estate plan to direct your wealth the way you want.
 
We work closely with your attorney and CPA for legal and tax assistance, providing a “one-stop-shopping experience” for all of your financial, insurance, investment and estate planning needs. For those clients who do not have an attorney or CPA, we recommend skilled professionals in our area with whom we’ve had the professional pleasure to work.

Professional Liability Management

This program will help you completely eliminate all creditor obligations, including your mortgage, in 7-10 years. This includes your first and second mortgage, credit cards, personal loans, vehicle loans, student loans – all wiped out quickly. Payments don’t go up but your credit rating does.
 
Imagine for a moment owing nobody...what would you do with the extra money? Invest or save for a comfortable retirement? Contribute more to your favorite charities? Fund a college education? Certainly you would have less stress in your life.
 
Our program is not for the financially distressed, but for people with above-average income, good credit scores and a burning desire to become FREE of debt.
 
*Securities offered through Sigma Financial Corporation; Member FINRA/SIPC. Investment advisory services offered through Sigma Corporation, a registered investment advisor.

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