Financial Planning helps you manage the sometimes daunting process of maintaining a well balanced portfolio. Today, more than ever, it makes sense to partner with an experienced financial advisor who can help you navigate the financial markets. Through Financial Planning, we can help you build a portfolio designed to help you pursue your individual goals. Whether your goals are highly focused or very broad, our services can help address a variety of needs including wealth preservation, immediate income needs, a reliable income stream, or educational savings goals.
- Wealth Management can help you work towards your financial goals by building a retirement plan that is customized for you. Your 401(k) plan and other savings vehicles you may be using will help to formulate an appropriate allocation for retirement planning needs.
- Qualified and Non-Qualified Retirement Plans can help you reward yourself and your key employees while planning for a comfortable retirement.
- Mutual Funds* allow you to invest in the equity markets, yet they do so within your specific investment risk tolerance.
- Fixed Annuities** earn a guaranteed interest rate and accumulate earnings on a tax-deferred basis. Guarantees are based upon the claims-paying ability of the issuer.
- Variable Annuities** allow you to choose how your money is invested by selecting a variety of sub-accounts according to your risk tolerance. The investment growth in variable annuities also accumulates tax-deferred.
- Disability Insurance can be used to replace lost income should an accident, sickness, or injury prevent you from working, or from managing your business or practice.
- Life Insurance provides an income tax-free death benefit that your beneficiaries can use to help settle personal and professional debts, pay for college expenses, draw a monthly income, and/or keep your business solvent until it can be transferred or sold.
*Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and the fund may not achieve its investment objective.
**Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
As you go through various stages in life - pursuing an education, getting married, having children, starting a business, purchasing a home, caring for a family member, and for some of you, even divorce - your needs, goals, and objectives will change. With proper planning and suitable financial products, we can help stay on track towards your personal and professional financial objectives. Kathie can offer a wide array of insurance and other financial products designed to support your planning needs.