Wealth Management

Advisory Services

Like most people, you have life goals for yourself and your family. These might include buying a home or business, saving for college education for your children, taking a dream vacation, reducing taxes, retiring comfortably. Financial planning is the process of wisely managing your finances so that you can pursue your goals-while at the same time helping you negotiate the financial barriers that inevitably arise in every stage of life.  A qualified financial planner, such as a CERTIFIED FINANCIAL PLANNER™ licensee, can help you make decisions that make the most of your financial resources.

Choosing a financial planner is as important as choosing a doctor or lawyer. Working with a financial planner is a very personal relationship. In addition to competency, a financial planner should have integrity, trust and a commitment to ethical behavior and high professional standards. You want a planner who will put your needs and interests first.

Financial Planning Objectives

Savings and Spending

  • Budgeting 
  • Education Savings
  • Major Purchases 
  • Mortgage Review
  • Debt Review (loans)
  • Family Gifting
  • Charitable Gifting
  • Income Tax Review *

Business Planning

  • Business Succession Planning
  • Preparing to Sell
  • Buy/Sell Agreements
  • Compensation Arrangements

Insurance and Risk Mitigation

  • Life Insurance
  • Health Insurance
  • General Liability Insurance

Investments and Retirement Planning

  • Retirement Planning and Projections
  • Investment Review
  • 401k, IRAs
  • Stock Options/Restricted Stock
  • Company Benefits, Pension Plans
  • Annuities
  • Beneficiary Designation

Estate Planning

  • Last Will and Testament*
  • Asset Protection
  • Durable Powers of Attorney, other documents*
  • Trusts*
  • Distribution of Assets
  • Beneficiary Designation, Titling of Assets
  • Choosing Executor and Trustee*

*For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice.