• We are knowledgeable of the needs and concerns of this (post working years) phase of life. 
• We have developed a trustworthy reputation of planners who help you stay in control of your funds as you age. 
• This is a special phase of life, that deserves attention to detail and candid discussion of options.

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The Market Evolution:

· Stocks started as the only way to invest in the market.  It involved going to a brokers office, limited information, lots of risk if your stock didn't do well.



· Mutual funds replaced stocks as the popular way to invest in the 1980's.  Investing this way offered more diversification among many stocks.  Professionals made the when to buy, when to sell decisions.

 
· A transition to index funds started in the 1990's because of their low cost, even broader diversification, and studies showing that few, if any actively managed funds outperformed the index over time. 

· The next transition is quietly underway.  It's the shift to fixed index annuities.  This is a new technology providing returns linked to the stock indexes but without the market risk. 

· Here your principle is always safe and your past gains locked in! 

The ABC Planning Process

Investigation – The first phase of our planning process.

·         We investigate each other

·         Investigate your portfolio

·         Investigate any leaks, gaps, or deficiencies

We make use of our own “financial snapshots” software to help in this process.

Recommendation – The second phase of our planning process.

This phase may include

·         Income Planning

·         Protection of assets from market loss

·         Funeral Trust

·         Living Trust (through our excellent Estate Planning Attorney)

It’s at this meeting that you’ll be asked to make decisions regarding asset allocation and transfers. The meeting usually lasts about an hour.

Implementation –  The third phase of our planning process.

·         We begin with the process of allocating assets to the proper areas by way of applications and transfers to the various companies. 

·         We then begin to follow-up on the transfer of assets to the proper companies which can take 2-6 weeks.

·         Once the assets are transferred we sit down again with you to review the end results. 

·         We then meet periodically to communicate progress and answer questions as they arise.

 

 

The CFP standards teach us that above all things, financial planning is a process that seeks to discover and accomplish a client’s changing financial goals.