Financial Planning/Asset Management

Do you need a comprehensive value-based financial plan? Maybe you’d like an investment review or review of your insurance coverage? How about a Social Security or future income analysis? We offer comprehensive services covering financial needs at every stage of life for a nominal annual fee. All fees for individual services can be negotiated on an as-needed basis. Contact us for more details.

Asset management is included for our clients at no additional charge, unlike the nominal minimum financial planning annual contract fee. Managed assets are maintained with Charles Schwab accounts. There are no charges or trading fees when we purchase, sell, or rebalance your portfolio.

For those who only desire asset management with no financial planning activities, there is a nominal charge starting at 0.25% annually. This fee is deducted from the account quarterly.

Risk Management

Risk management is an integral aspect of financial planning, especially when ensuring a stable income stream for the future. Indexed universal life (IUL) insurance policies have gained popularity as a tool for tax-free income generation. These policies offer a death benefit, cash value accumulation, and the potential for investment growth based on market indexes. By utilizing IUL as part of a risk management strategy, individuals can protect their financial well-being from unforeseen events while taking advantage of potential tax benefits.
One of the key benefits of using indexed universal life for tax-free income is the ability to diversify risk. As the policy’s cash value grows tax-deferred, individuals have the flexibility to access funds tax-efficiently during retirement. This can help mitigate the risk of outliving savings and provide a source of income that is not subject to market fluctuations. By strategically incorporating IUL into their financial planning, individuals can better manage the risks associated with retirement income while also potentially improving their overall financial outlook.