Products
At Financial Directions, Inc., we provide assistance in the following areas:
Insurance Services
Used wisely, insurance can be a powerful tool for replacing income, creating assets, or protecting assets you have already earned. We can help you make the most of your insurance investment, identifying opportunities to lower your insurance costs and leverage your existing policies. As independent insurance agents, we can offer a wide range of insurance products and services, including life, disability, medical, and long-term care insurance. And most importantly, because we are independent, you know we are working for you, not an insurance company. Our goal is to find the best policies from the best companies for the best prices.
Asset Management
For many clients, our fee-based asset management services provide the ideal opportunity to invest in the markets with the added value of professional expertise. As an asset management client, you benefit from professional management and supervision, which is backed by experience and research. Our services for asset management portfolios include assessing the clients financial situation, including objectives, time horizon and risk tolerance; determining an appropriate asset allocation mix; selecting money managers; actively managing the clients portfolio; and providing the client with comprehensive, easy-to-read reports to monitor portfolio progress.
Our asset management process is interactive. You have ample opportunity to provide input so we can manage your investments according to your needs and expectations.
Investment Securities
From stocks and bonds to mutual funds and annuities, our firms associates provide a wide range of investments offered through Cetera Advisors LLC. This impressive investment diversity and availability readily complements our commitment to help you select the right investment vehicles for each stage of your financial life.
Tax Planning
Tax preparation can be difficult, time consuming, and intimidating. We also recognize the importance of tax planning and preparation in any comprehensive financial strategy. Its not what you earn, but what you keep, that really counts. For that reason, we provide convenient and professional tax preparation and tax advisory services. For clients holding investments with our firm, our tax service is often enhanced by ready access to critical cost basis data and an awareness of the clients larger financial picture. Our staff has the experience and professional designations to provide quality professional tax preparation and advice regardless of the complexity of your situation.
Estate Planning
Whether it's your estate or the estate of a loved one, it takes planning to reduce estate taxes, probate costs, and various administrative hurdles — and to increase the transfer of wealth to heirs or to charity. Because of complex laws and tax codes, estate planning can make a dramatic impact on your financial picture. We can help you consider all your options, which may include revocable living trusts, credit shelter trusts, wealth replacement trusts, and charitable remainder trusts, among others. We work in partnership with your current advisors, accountants or attorneys, or provide professional referrals, if needed. Above all, we can help you develop an effective estate plan according to your goals.
Employee Benefit Consulting
Retaining employees is one of the top concerns of business owners and executives. However, employee benefits can be a very costly retention tool. We can direct businesses in the process of evaluating employee benefit needs and designing a cost-effective package, taking into account employer objectives, government regulations, and employee expectations. Often, the direction we provide is a confident referral to a trusted employee benefit plan specialist. We also stand ready to provide individual or group employee education regarding qualified plan investing and other financial matters — which in itself is an employee benefit.
Business Consulting
We provide business consulting services that can help you navigate each phase of the business cycle, from start-up, through growth, and into maturity. Directly or by professional referrals, we offer consulting services on both strategic and tactical levels. For example, we can help you develop your business plan, look at new areas of business growth, and consider future strategic issues, including retention of key employees and business succession. We can also provide an objective review of financial statements and provide recommendations. The bottom line: You benefit from an objective viewpoint on the financial and structural health of your business.
*For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisors LLC nor any of its representatives may give legal or tax advice.
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