Our Two Types of Clients

We have two types of clients ("Planning Clients" and "Situational Clients").  As the name suggests our "Planning Clients" want help with big picture financial planning and want ongoing guidance.

"Situational Clients" need help with one specific situation (example: purchasing life insurance). These clients do not want help with financial planning or ongoing guidance.

Planning Clients are ready to clarify, simplify, and organize their financial life. They see the value in working with experienced financial advisors who take a holistic approach to defining goals, analyzing options, making informed decisions, and implementing strategies as they strive toward reaching their financial goals.

Planning Clients want to address their questions, help reduce financial worries and decrease complexity so that they can focus on what matters most in life. Planning Clients receive guidance on an ongoing basis to stay informed and have access to experienced financial professionals to help make adjustments as changes in finances, laws, and life occur.

Services can include:

• Building, protecting and distributing wealth
• Portfolio construction
• Asset allocation
• Estate planning strategies
• Life insurance
  
• Retirement planning

We help planning clients, initially and over time, to manage and maintain their financial plan through ongoing communication that reflects changes in their life, planning strategies, the laws and the investment markets.

Situational Clients seek targeted solutions to specified goals or situations. Situational Clients work with us on a limited basis to seek guidance on the most appropriate solutions for their circumstances and goals, which can include:

• Investing strategy (one-time)
• Life insurance
• Long Term Care
• Disability Income protection
• Income Annuities

Services:

Situational Clients receive guidance and service related to their specifically defined needs and concerns. Ongoing service and support is provided as it relates only to the work performed. Additional services, outside of scope of work defined, will be determined separately, as requested or recommended. Investment Management and Financial Planning services are available separately.

AGE-6798895.1(08/24)(Exp.08/26)