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Personalized Roadmap + Ongoing Support

We all know money doesn’t buy happiness. What it does buy is options. Choices. Freedom.

By integrating financial planning with investment management, our goal is to implement a specific mix of actions and investments that advance your personal financial goals.

Financial planning is personal. No two people have the same lives, nor do they want to achieve the same things with their money. There is, however, a logical order when tackling your finances.

Making your Life Easier

  • Single Point of Contact for all Financial Concerns
  • Clarity on Financial Future through Ongoing Planning
  • Digital Platform to Conveniently Monitor all of your Accounts
  • Help Staying on Track with Action Checklists and Follow-Up
  • Assistance during Disability or Death

Financial Wellness

  • Goal Prioritization & Tracking
  • Cash Flow Optimization
  • Emergency Funding
  • Debt Payoff Plan 

Personal Risk Reduction

  • Life Insurance (with critical/chronic illness protection)
  • Disability Insurance
  • Long-Term Care Insurance
  • Introduction to Specialty Insurance Providers

Investment Management

  • Retirement Savings & Strategies
    The best accounts for your situation & how much to contribute
  • Retirement Income Strategies
    To help ensure you have enough money as long as you live
  • Investment Allocation & Risk Tolerance
    So that your accounts fluctuate only as much as you can handle
  • Alternative Investments
    To zig when the market zags
  • Targeted Investing for Mid-Term Goals
    Like taking your family on that dream vacation
  • Legacy Planning
    To enable the next generation

Tax Planning

  • Tax Savings through Tax-Loss Harvesting & Tax-Efficient Asset Allocation within Taxable Portfolios
  • Smart Allocation of Assets between Taxable & Non-Taxable Accounts
  • Tax-Efficient Distribution throughout Retirement
  • Charitable Giving: Optimize Donations for Tax-Savings
  • Introduction to Local CPAs

Benefits Analysis

  • Company Benefits Maximization: Insurance, HSAs, FSAs
  • Stock Options, Employee Stock Purchase Plans, Restricted Stock Units
  • Social Security Optimization
  • Introduction to Medicare Experts

College Planning

  • Tuition Projections & Savings Targets
  • Year-by-Year Funding Plan

Estate Planning

  • Review of Beneficiaries, Wills, and Trusts
  • Family Meetings as Requested
  • Introduction to Local Attorneys

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.