Services
Business Owners
For clients who own a family business, planning for the transition from one generation to the next can present special challenges. Not just in the financials, but in keeping family harmony to ensure the business and family relationships will continue. We can provide resources to help you navigate this change with clients who may be considering a transfer of ownership now or in the future. A good place to begin is with our short educational video on three steps to a successful family business transition.
Financial Services Offered
We understand that life comes in multiple shapes and sizes. That is why we built our firm to serve individuals and businesses in all areas of financial management. Anywhere between allocating your first investment to finally preparing for retirement, we are there for you. Regardless of the service you need, we promise that time, patience, and passion will be the first ingredients in designing your plans. We understand that life comes in multiple shapes and sizes. That is why we built our firm to serve individuals and businesses in all areas of financial management. Anywhere between allocating your first investment to finally preparing for retirement, we are there for you. Regardless of the service you need, we promise that time, patience, and passion will be the first ingredients in designing your plans.
The service options that we offer include:
Retirement Planning:
⦁ Making the most of your employer-sponsored retirement plans and IRAs.
⦁ Determining how much you need to retire comfortably. Managing assets before and during retirement.
Estate Planning:
⦁ Helping with strategies to preserve your estate for your intended heirs.
⦁ Potentially reducing exposure to estate taxes and probate costs.
⦁ Coordinating with tax and legal advisors.
Insurance Planning:
⦁ Reviewing existing insurance policies.
⦁ Recommending policy changes when appropriate.
⦁ Finding the best policy for your situation.
Education Funding:
⦁ Recommending investment and accumulation strategies to help you pay for your children's education.
Investment Planning:
⦁ Determining your asset allocation needs.
⦁ Helping you understand your risk tolerance.
⦁ Recommending appropriate investment vehicles to help you reach your goals.
Employer and Executive Benefits:
⦁ Helping your business attract and retain qualified employees through benefit packages.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.