Our Services
Planning and Investments
It’s difficult to know where you’re going without understanding where you’ve been
We specialize in retirement and comprehensive financial planning, considering everything from the tax implications of your pension or 401(k) to your investments and anticipated spending. We listen to your unique situation to help you coordinate your assets, bringing into focus your full financial picture so that we can unlock your ideal vision for retirement.
You talk, we listen
We want to know your story. It’s how we understand the nuances of your life, any financial challenges you face, and the future you would like to see for yourself and your family.
The information package you complete gives us a fuller picture of your family, your assets, your insurance, and your aspirations. Something you don’t know how to answer? Don’t worry, during your free consultation, we talk through your details and help you fill in any blanks.
Finally, we meet again to provide you with a comprehensive financial plan that includes objective recommendations for your investments, retirement plans, Social Security, insurance, taxes, estate planning, and everything in between. We then stress test your options under different “cash flow” scenarios to help you determine what options may be best for you. If you decide to become a client, our team approach means that whether you call to ask a simple question or require a thorough in-person review of your plan, a familiar face will be there to assist you.
Unique needs call for varying solutions
LIFE INSURANCE PLANNING
- Current Needs Analysis
- Coordinate Existing Policies
- Long-Term Care Planning
- Review and Analysis
- Long-Term Care Insurance Planning
- Coordinate Insurance to Your Overall Planning Needs
ESTATE PLANNING
- Analysis of Current Estate Plan
- Complimentary Notary Services
- Assistance with Life Transition
- Analysis of Beneficiary(s) and Proper Titling of Accounts
INVESTMENT PLANNING
- Portfolios that Provide a Disciplined, Procedure, and Rules-Based Approach
- Understanding Your Risk Score and Tolerance for Risk Before You Invest
- Independent Advice
- Continual and Proactive Monitoring of Your Investments
- Fiduciary-Placing Your Intrest First!
TAX PLANNING*
- Roth Conversion Analysis
- Annual Tax Analysis
- Customized Tax Strategies
- Coordinate with Your Tax Professionals
- Updates on Tax Changes
CLIENT EDUCATION WORKSHOPS
- Consistent Communication in the form of Emails, Webinars, Personalized Videos, and In-Person Meetings Related to Several Topics:
- Medicare, Social Security, College Planning, Estate Planning, Economic and Tax Updates, and Much More!
CASH FLOW PLANNING
- Annual Cash Flow Projections to Determine if you are on Track for Your Retirement Income Goals.
- Cash Flow Stress Test under Different Scenarios: Death, Early Retirement, Social Security.
- Annual Monitoring of Your Cash Flow Needs
- Cash Flow Income Tax Analysis
SOCIAL SECURITY PLANNING
- Know Your Social Security Claiming Strategies
- Claim Your Benefit Now or Later?
- Can You be Taxed on Your Social Security Benefit?
- What Will Your Spousal Benefit Be?
- What Would My Widow's Benefit Be?
*TL Financial Group does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.
Our Commitment to You
Ongoing review and annual/semi-annual review
Personal investor education offerings
Goals based cash flow planning
Consistent multi-channel communications
Dedication to long-term caring relationship
Coordination with other professional advisors
The Principles that Guide our Investments
Long-term vision
Academic research
Cost sensitive investments
Proactive management style
Meaningful tax management
Effective asset positioning
It’s All About You
We take a holistic, proactive and balanced portfolio management approach that aligns with your risk tolerance and goals. Our investment strategy is responsive and built to navigate the changing world of opportunities and risk. Our objective is simple: to help protect and grow your assets though unpredictable market cycles.
Success Means Working Together
Proactive and open communication with your tax and legal professionals allows us to share knowledge and implement tailored solutions for you and your family. Clear communication between your professional partners is critical to ensuring your tax, estate, and investment planning needs are aligned with your objectives.
We are happy to work with your existing team of attorneys or tax advisors to coordinate strategies. For your convenience, we can also provide referrals to outside professionals (CPAs, attorneys) we work with on a regular basis.*
- We work with our clients’ CPAs and attorneys to help ensure important financial decisions are not being made in a silo.
- We can help facilitate year-end tax planning with your CPA and also provide Realized Gain/Loss reports along with other information they may need.
- We work with our clients’ attorneys to help ensure investment accounts are set up properly to reflect any new estate issues (formation of a trust) or changes that may require updating, including beneficiary designations or other information.
*Outside providers of professional services are neither affiliated with nor endorsed by TL Financial Group or Commonwealth Financial Network.