One of the best things about being a financial advisor is being able to offer real-world solutions to people who have a genuine need.
In that respect, we consider our role to be more of a trusted professional, someone who will see you through life's most difficult moments and help you prepare for the opportunities ahead. We use the process below as our guide.
Every individual or business is different, so it is important for us to learn as much about you as possible. What are your goals? Where would you like to be in 10 to 20 years? What financial resources do you already have in place? The more we get to know about you, the more insightful our recommendations will be.
Together we'll prioritize your goals and turn them into clear, measurable objectives. That way you can see how even the biggest challenges--like paying off your mortgage or retiring early--can be accomplished.
Next, we'll identify some insurance and financial products to help you meet your goals and needs. We can consult with your financial, tax, and legal advisors to make sure our efforts fit with your overall plans.*
If you would like to get started on the road to meeting your financial goals, please Contact Us to schedule a meeting!
*Please note that neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.
As financial advisors, we are here to help guide you through the often overwhelming process of creating an insurance and financial blueprint. We will work with you to:
1. Review your individual situation and personal objectives.
Every family’s financial situation is unique. That’s why it’s so important for us to find out as much as we can about you and your financial goals. The more we know about you, the more precise recommendations we can make and the more we can help you. As a result, we may take some time to discuss your hopes, dreams and objectives, the things that really matter to you.
2. Analyze and review your needs.
As needed, we will work with you to identify and prioritize your objectives, and then help establish benchmark goals. This is important because we live in a world of unlimited choices. People often fail to achieve objectives because they try to accomplish too much at once, or they don't attach specific deadlines to their goals. By breaking down your goals to specific objectives, you can look at available resources and decide which goals are realistic, which need to be adjusted and scaled down, and which simply must be abandoned.
3. Develop and implement a strategy to help you achieve your goals.
Based on our conversation and analysis, we can recommend some insurance and financial products that can help you achieve your financial goals.
4. Coordinate your financial activities.
If you would like, we can also coordinate your insurance and financial activities for you with the other members of your team of financial, tax and legal advisors.
5. Monitor progress/provide ongoing service as your needs and situation change over time.
Planning is not a one-shot deal. Strategies need to be adjusted periodically as your life changes. We will work with you over the years to help keep your program on track with your changing needs.
If you would like to benefit from our financial blueprint, please Contact Us to schedule a meeting!
Creating an insurance and financial blueprint is a two-way street, which means that the key to getting maximum value from our relationship is communication and candor.
It’s important to:
Make it a team effort.
Let’s work together. Listen carefully to the recommendations, but remember, all decisions are yours. Make sure you're comfortable with the outcome.
Please contact us to arrange a meeting to review your situation and discuss the products and services that can help you.
Educate your agent.
Don't expect us to be mind readers. We may anticipate many of your needs, but will not assume anything. That's why it's so important that you be candid in providing information.
At the same time, you too should ask a lot of questions. Be inquisitive. Ask us for details and explanations about recommendations and how certain plans may work. Remember, the only "dumb question" is the one that isn't asked.
If you would like to begin making strides toward financial success, please Contact Us to schedule a meeting!
Topics to Consider
Below are brief summaries of some of the topics that may arise as we explore your long and short-term financial goals. The information will give you something to consider as you prepare for our initial review.
Accumulating Retirement Assets
Retirement can signify a lot of things to a lot of people, sailing off into the sunset with your beloved, never having to worry about waking up early to catch the morning train, or finger-painting with your grandkids. But to make these dreams a reality, you'll need to create a nest egg that will make your retirement years as comfortable, if not more, as when you were working. Essentially, it's never too early to think about saving for your golden years. As the average lifespan increases, you should be prepared to put aside more to accommodate a longer retirement. At Vision Financial Group, we understand the importance of having enough to spend during your retirement. That’s why we offer a variety of insurance and financial products that can help you fund your retirement, and make the money you’ve worked for years to save go even further.
Creating a Lasting Legacy for Loved Ones
With hard work and careful planning during your income-earning years, you may have built a healthy nest egg, sufficient to ensure a comfortable, independent retirement. You may actually be in the enviable position of being able to leave something to those you love the most: your spouse, children, grandchildren, and perhaps your favorite charities. Now's the time to seize the moment and put together a plan that creates a legacy for those you love.
Your Children's Education
Consider this scenario: The car's packed and the teary goodbyes have been exchanged. You may feel as though your baby's leaving you, but this is one of the proudest moments of your life. You've scrimped and saved to afford your child's education, and now that the day is finally here, you can breathe a sigh of relief. Thank goodness you planned ahead and started saving early so that the next four years won't be so financially stressful. Now, consider the alternative: What if you didn't plan? Then those next four years could be your worst nightmare, turning into a juggling act of student and parent loans, financial aid requests, and semesterly payments. Fortunately, we at Vision Financial Group understand the importance of funding your children's education, and, therefore, offer a selection of products to help you meet that goal. Of course, we can't promise that you won't get the occasional phone call, "Mom? Dad? I'm a little low on cash.…"
Safeguarding Your Home Mortgage
There's nothing like the feeling of owning your own home. It's a part of the American Dream, to live in a home that you can truly call your own. Between picking out curtains and paint samples, you should also remember that your house is an investment. Your home represents many things – a place to raise a family, comfort, and a major financial commitment. Like other valuable assets in your life, it too needs to be protected. Realizing how important your house is to you and your family is the first step. Deciding on ways to safeguard your investment is an important step that will help guarantee the joy of owning your home for years to come. As a financial advisors, we can help alleviate some of the worry that comes with ownership. One major concern may be that your family will face difficulties paying off the mortgage in the event that you pass on. One of the ways to help assure your family's financial security is to consider life insurance products as mortgage protectors. Products such as Permanent Life and Term Life insurance are personally-owned and portable. If purchased in an adequate amount, the death benefit can help retire the mortgage, and also help provide money to cover other expenses. Ensuring your family's future now will help ease your mind, and let you concentrate on the really important things…like choosing between carpet or hardwood floor for the dining room.
If you would like to talk about these things with a professional, financial advisor, please Contact Us to schedule a meeting!