Retirement Planning

Retirement is typically one of the top financial goals you'll work toward.  It may be furthest out, but a good financial plan starts with figuring out how much you'll need to live on during your retirement years, putting a strategy in place to get there, and then addressing your shorter-term needs.  Having the freedom to live your way during retirement will depend, at least in part, on having a plan that aligns with your personal goals. Regardless of the types of retirement products you currently invest in, you don't want to bet your entire nest egg on just one. 



Some individuals may need as much as 70% of their pre-retirement income to maintain their current lifestyle during retirement. Savings from pensions and other retirement plans will have to make up a large percentage of their retirement income. Saving through an employer plan may help your employees (and you) achieve this goal.  If self-employed or an employer sponsored plan isn't available a Traditional or Roth IRA, SEP IRA, SIMPLE IRA or Solo K may be an option.  Retirement Planning is one of our main services, reach out to one of our Financial Planners so we can assist and prepare a plan for your financial future. 


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Long-term Care Insurance

What is long term care?  Long term care is a variety of services and supports to help meet personal care needs over an extended period of time.  Long term care may involve non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are: bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and eating.  Long term care services may help you maximize your independence and functioning at a time when you are unable to be fully independent.  The plans you make today could impact your future lifestyle, and the quality of life you experience.


You should consider long term care insurance sooner than later as there is a clear advantage in securing long term care coverage at a younger age. You are more likely to be healthier which will enable you to qualify for premiums that are generally lower.  The earlier you begin planning, the more options you may have to continue living life on your terms.  Should a serious illness, an accident or injury cause you to need assistance with your daily activities, or should you have a severe cognitive impairment, a plan can help you prepare to receive the care you want — in the setting you choose. It can also help protect your assets, retirement funds, and your estate from being depleted to provide care.


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Fee Based Financial Planning

Financial Planning isn’t a one–time event.

Your financial plan should change over time to address changes in your personal circumstances. In addition, an experienced financial planner can provide you with an objective, unemotional assessment of your finances. This objectivity ensures your plan meets your unique financial needs and can be an invaluable aid in helping you make sound financial decisions.

Do you need financial planning? 
Do you have any of the following concerns? 

• Having enough money to last throughout retirement 
• Funding education for children or grandchildren 
• Minimizing taxes so that you keep more of your income 
• Ensuring your assets are optimally positioned 
• Leaving more of your assets to your heirs or charity 
• Being able to handle a crisis such as a serious illness or injury, layoff or market downturn 
• Making sure family members and heirs are taken care of in the event of a premature death 
• Transferring or selling your business interest on your terms 

If any of these matters have crossed your mind, you should consider speaking with a financial planner. Here’s what’s involved: 

• Client Engagement Meeting
• Data Gathering Meeting
• Analyze Information
• Plan Presentation 
• Implementation
• Ongoing Planning 

You and your financial planner will work together to identify and prioritize your short- and long-term financial goals. With this personal and in–depth understanding of your financial needs and concerns, your financial planner will create a customized plan with a timeline, strategies, and check points for building a financial future you can count on to help you meet your goals. 

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Wealth Management

Implementing a well-conceived, personalized investment strategy is vital in helping meet your financial needs.  There isn't a "one size fits all" solution when it comes to financial management, so we'll work closely with you to define investment objectives, develop investment strategies, and select a program tailored to help you achieve your financial goals. Work with one of our investment advisors that will provide you investment advice that is in your best interests.




Our Financial Advisors may be both a registered representative, as well as an investment adviser representative, depending on the role they play in providing investment services throughout your financial life. We receive ongoing training and support to build successful practices to service individuals and small businesses — now and into the future. Our knowledgeable investment professionals: Help you build, grow, and transition wealth through different life stages and for future generations; Assist you in managing the risks associated with inflation, market fluctuations, and varying economic conditions, depending on your financial goals and investment time horizon; Give you 24/7 access to brokerage account positions, balances, and transaction history through a dynamic digital platform.


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Disability Insurance

Chances are you have insurance on your life, but what if you became sick or hurt and unable to work?  Just imagine what would happen if your income suddenly stopped.  Disability income insurance coverage can help replace a portion of lost earnings and can help provide return-to-work benefits.   Think of disability income insurance as a strategy that can replace a portion of your income to help cover your expenses if you become disabled and can't work. 


If you are a business owner, the responsibility of owning and managing your business rests on your shoulders. In the event of a disabling illness or injury, disability income insurance can provide support.  While you recuperate, disability income insurance protection can help cover day-to-day business overhead expenses for up to two years, and can provide the funds for the purchase of the insured's share of the business in the event of total disability.


It is not uncommon for people to assume that most disabilities are the result of accidents. In reality, the majority of disabilities people suffer are due to various forms of illness.  No matter what your personal situation is, we can tailor an income insurance solution suitable for your needs.


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Life Insurance

Do I need life insurance?  In general, if anyone is financially dependent on you or if you need a way to provide funds for your final expenses, the answer is yes.  Life insurance is one of the most effective ways to help protect the financial security of your family or business against the economic loss that may result when you die.  However, your life insurance may help you achieve other financial goals, such as providing cash for emergencies, preparing for retirement or ensuring that you leave a financial legacy for the next generation.


It is important to assess the financial needs of your family in order to determine the appropriate amount of coverage to help protect their standard of living.  The income you earn may be the single largest financial contribution you make to those who matter most in your life. Consider the amount you can expect to earn over the course of your career.  


Once you have determined the right amount, the next step is to decide which type of coverage is right for you. There are two basic types: term life insurance and permanent life insurance. For many people, some combination of the two is the best fit.  Purchasing life insurance can seem like an overwhelming task. With access to so much information just a few mouse clicks away, sifting through all of the terms and data can be challenging. In fact, one of the top reasons people give for not purchasing life insurance is that they are afraid to make the wrong decision.  It doesn't have to be so confusing.  


Our Financial Planners can help you understand the benefits that each type of policy offers, and help you determine the coverage that is right for you.


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Call Now To Work With One Of Our Savannah GA Financial Planners

Call (912) 999-1805

Or Schedule a meeting that works for you.