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Investment Management
Our company goal is to build portfolios that balance risk with returns. We utilize mutual funds, Exchange Traded Funds and individual bonds. We work with you to build an investment strategy taking into account when you need to withdraw money and how much.

Keeping the lines of communication open between us is a key element of success. We need to know if changes occur that might prompt a revised investment strategy. We are available to review our current approach at your convenience.

Retirement / Transition Planning

Life expectancies continue to rise changing the way we think of retirement. We view retirement as a life transition. With many people spending one-third of their lives in this phase, Financial Connections helps you to define your vision of this period. Will you work part-time at a job you enjoy? Would you rather not work at all? Do you plan to volunteer your time for a non-profit organization or a cause you believe in? Our role is to help you define this future and see how your finances fit with your vision.

Retirement Income and Withdrawal Strategies

Many of us received a paycheck during our working life. In retirement, we have to create a new type of paycheck. We review your resources and your goals to develop strategies to create a new paycheck for you to live on.

This is a complex topic. A new paycheck needs to balance your expenses, the risk of running out of money prematurely and your legacy requirements. It is an art, not a science since we don’t know how long we will live or the cost of our health care during our later years.

Long–Term Care Planning

We hired a long–term care consultant to develop a specific long–term care plan in advance of needing assistance. This helps your family to be prepared before care is required. If you have a long–term care insurance policy, our consultant will audit it. And, if you or a family member need to file a claim, they will file it on your behalf. Recommendations on care assistance is also available.

Estate Planning

Of all the reasons to consider financial planning, your loved ones may be the most important. The emotional trauma caused by the death of your spouse/partner is acute. Having your estate in order helps minimize the stress during this period.

Our role is to help you in this endeavor.

Divorce Financial Analysis

Divorce is a time of transition. Financial Connections reviews the financial impact of divorce on your future finances. As a Certified Divorce Financial Analyst™ we help develop a new spending plan for the next phase in your life. We offer advice on different strategies and map out your options so that you can make informed decisions.

A CDFA™ Helps You By:

• Providing financial information and analysis
• Facilitating financial changes
• Giving you a clearer picture of  your financial future

Download the Financial Connections CDFA™ Brochure (PDF format)

Tax Planning

We offer tax consultation for ongoing management clients.

This service includes tax strategy, if applicable, and year-round tax advice. 

We encourage all of our clients to communicate with us during the tax year. It provides us an opportunity to avoid surprises. If you already have a tax professional, we will work with her/him to coordinate your investments and tax situation.

We realize that the impact of taxes is a component of the financial planning process. We examine tax issues ranging from savings strategies to tax-deferral vehicles to investment decisions.

Risk Management

Risk is an inherent part of life. Insurance is one of the ways to transfer risk and protect ourselves and our assets. This can take the form of disability, life, long-term care, liability, and property and casualty insurance. We are not insurance agents and do not sell insurance. But we work with you to identify the risks and are available to work with your agent(s).

Small Business 401(k) Plans

If you have a small company that does not have a retirement plan, you may be missing an opportunity to defer taxes and offer a benefit that can help retain your key personnel.

We help you establish a plan including:

• Selection of a plan administrator
• Investments for the plan
• Education for your employees

If you already have a plan, we are happy to review it.

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