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Learn More - Setting Your Goals Every conversation we have with our clients revolves around our ultimate focus of helping them determine, refine, implement, and accomplish the goals that are most important to them leading a fulfilling life. Our clients value our experience & process for exploring their goals in an effort to bring clarity to what a life lived on purpose can look like and how that can help achieve their long term goals. The final outcomes of purchasing a home, children or grandchildren graduating from college, or enjoying a special anniversary trip are worth the financial focus necessary to get there. https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647892725060-RIMQKQB4FLL9YG2M15YQ/unsplash-image-6D58t6uZT5M.jpg Financial Planning - Learn More - Planning for Retirement The most common inspiration for people to seek assistance in their financial planning situation is the desire for confidence related to the transition from Phase 3 to Phase 4, where the steady income from employment will be replaced by the combination of retirement incomes and financial assets. Our process focuses on first discussing what success and fulfillment in Phase 4 looks like for each individual client, then organizing and maximizing the financial resources that will be available, and finally providing a roadmap that allows us to see how all the pieces work together toward accomplishing those goals. https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647893031565-DO235TXKN6WNJLCXOMEY/unsplash-image-376KN_ISplE.jpg Financial Planning - Learn More - Risk Management An often overlooked, yet crucial, component of the financial planning process is the role of insurance and other risk management investment tools that are valuable in helping us manage a financial plan for our clients. By identifying the potential risks and pitfalls that could derail the plans that we have put in place the probability of reaching the goal is increased. We all know that life has risks and things will never go exactly as planned. We look for ways to effectively transfer the financial impact of certain risks away from our clients as appropriate, such as the impact that a disability, health event, fire, early death, or long term care health need would have on a family, or even the impacts that a market crash or a longer than expected life would have on an investment portfolio. Thinking through the issues that impact our clients and planning where appropriate can help to give them more confidence in the final success of their plan. https://www.phase4fs.com/investment-mgmt daily 0.75 2022-04-28 https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647905498735-XO8O8Z7E9UC5TFT6RPMB/unsplash-image-744oGeqpxPQ.jpg Investment Mgmt - Learn More - Appropriate Investments Once the account type is determined, we then help assess the appropriate mix of investments. Investment options could include: Mutual funds Exchange-traded funds (ETF's) & Individual securities Alternative Investments Fixed income investments & savings options Variable, fixed, indexed or registered index-linked annuities We have a wide range of planning tools, that we use to craft portfolios for our clients, that are customized to match up with risk tolerance and goal objectives and can combine passive and active management as appropriate. https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647904383194-WHG065KEPVL0W0JQYCP3/unsplash-image-npxXWgQ33ZQ.jpg Investment Mgmt - Learn More - Financial Strategies Our comprehensive financial planning background, matched with our in-depth knowledge of the wide range of financial tools available, allows us to approach implementation more holistically. We often combine multiple strategies for a situation that seek the best fit for the individual financial plan, rather than leading with a pre-determined outcome. https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647905789590-3WZBVEKQQPJWA02YEHU2/unsplash-image-5fNmWej4tAA.jpg Investment Mgmt - Learn More - Risk Management There are a wide range of financial solutions designed to help address the risks that could otherwise derail even the most carefully crafted financial plan. Learn more about our insurance plans that help address these risks here: Insurance There are also risk management tools connected with investments that can help to limit the impacts of market declines when appropriate, such as options and other hedging strategies. Annuities, Social Security, and other types of pension income can also be coordinated to protect against the impact of a longer than expected life that might otherwise diminish assets. https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647905677108-A4OZ2TEHO9NP67KU9Q3G/unsplash-image-OEdkPaxYMXU.jpg Investment Mgmt - Learn More - Account Type There can be significant confusion regarding investment account types, especially if you are just beginning your financial journey. Here is a list of account types: 401(k) 403(b) TSP 457 SEP SIMPLE IRA Solo 401(k) Traditional IRA, Roth IRA, & Rollover IRA Individual, Joint, & Trust Investment Accounts Unified Managed Accounts (UMA’s) 529 College Savings Plans (and 529 ABLE) and Coverdell Education Savings Accounts https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647905442586-K3YDKBKDPLX048APK3RS/unsplash-image-PNodyzJcccA.jpg Investment Mgmt - Learn More - Sound Investment Strategy Along with selecting the correct account type, and the investments inside, we work with our clients to be a sounding board through the ups and downs of market cycles and help them practice sound, timeless investment principles, such as: Extensive Global Diversification Asset Allocation based on Goals and Risk Tolerance Periodic Rebalancing Maintaining Discipline to the Long-Term Plan https://www.phase4fs.com/insurance daily 0.75 2024-12-26 https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647988697058-GMELKK8XCB6ERU4CI2MR/unsplash-image-0nkFvdcM-X4.jpg Insurance - Learn More - Disability Insurance Disability Insurance protects you against the financial challenges of being unable to work due to an unexpected injury or illness. This is an often overlooked gap in many households’ financial situation that can derail otherwise well laid-out plans. Use the button below to complete a quote request that allows our disability planning team at DIS to prepare quotes to help us review your options to consider if disability insurance is right for you. More questions on DI? Click here for Disability Insurance 101 from Life Happens https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647989538568-PM41MU6MR7KD5PL9732V/unsplash-image-mNGaaLeWEp0.jpg Insurance - Learn More - Life Insurance This video from Life Happens says it best “Life insurance provides for your loved ones and empowers their dreams.” While nothing could replace you, life insurance can prevent unnecessary financial hardship to allow your plans for your loved ones to still happen. Click below to allow us to help you put a plan in place. Unsure of your life insurance needs? While we’d be happy to discuss directly, this tool can help you consider your situation as well - Life Insurance Need Calculator https://images.squarespace-cdn.com/content/v1/6231191b47dbf7215f7b716c/1647989678168-DTOR7I5FJUVPO0P3ONH9/unsplash-image-BxXgTQEw1M4.jpg Insurance - Learn More - Long-Term Care Insurance According to Morningstar, 48% of people who turn age 65 will need some type of paid long-term-care services in their lifetime. These are not typically covered by Medicare and can significantly impact a financial plan. We help you protect assets from the potentially substantial costs of care necessary for those unable to care for themselves, due to physical or mental limitations, often, but not exclusively, due to older age. Use the button below to complete a thorough quote request that allows our LTC planning team to identify customized options for us to consider if LTC insurance is an appropriate fit for your situation. 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