We start by looking at your financial life from the 5,000-foot level. This way we can see the forest for the trees. From here, we can start to see every aspect of your financial life that will impact the achievement of your hopes and dreams. With this overarching view, we can align our current recommendations with your future goals for accumulating and preserving wealth.
Now imagine all of the parts of your financial life working together to produce the desired outcome. The parts include 401(k)s, IRAs, college funding, Social Security, retirement, health care, and your estate plan (for instance, your will and trust).
We start with your strategy for accumulating wealth, the achievement of goals during your working years, the management of your transition from working to your retirement years, and a comfortable, secure retirement for the rest of your life.
Learning more about you from the very beginning plays a major role in our comprehensive planning advice and services.
The foundation of individualized financial planning is you and your family. It’s about learning your ambitions, priorities, preferences, and fears. It’s also about discovering what challenges you have or must overcome in order to get where you want to go. This is the foundation of a planning service that meets your needs and goals.
Perhaps your #1 priority is making sure your retirement savings will last the rest of your life (both spouses). Or, maybe you want the security of knowing you can fund your children’s college educations.
There are a lot of reasons for accumulating and preserving assets during your lifetime. Our role is to provide the specialized planning and investment knowledge that helps you get there.
After the initial get-to-know-you and planning phases, we can develop and implement an investment strategy that is based on your goals and tolerance for risk. You can take on more risk if you are younger, but your capacity for taking risk declines as you age. The bottom line is that we help you make the right financial decisions.
When should you seek a financial planner?
It is never too early to hire a CERTIFIED FINANCIAL PLANNER™ who can help you sort through all of the challenges associated with financial security. Our research shows your potential risk for failure is much higher when you are not guided by a financial plan that is based on your unique circumstances and goals.
It goes without saying that you could benefit from hiring a financial advisor who can help you answer these questions:
- Do you feel overwhelmed by your current financial situation?
- Do you lack the needed amount to fund your retirement?
- Is your investment performance meeting expectations?
- Are your investments diversified to minimize your risk of large losses?
- Are you buried in debt and need a way out?
- Do you feel lost and don’t know which way to turn?
- Do you have a realistic budget and the discipline to stick to it?
- Will you retire when you want to and live the way you want to?
Leave it to a financial planner at SGL to help you craft a plan that suits your needs. The planner will even monitor your progress along the way and report your results. This dedicated professional will be there to keep you on the right track.