Financial Planning

Good advice demands thorough knowledge. We need to know your goals, your hopes, your dreams, your challenges, and your emotional makeup before we suggest a course of action. Once we build a relationship with you and your family (or your business) we design a plan that focuses on your priorities and addresses the dangers to your financial success. We will help you plan for the future, protecting both current and future risk, by using tools that fit your needs and your personality. Everything begins with planning. Start here.

Portfolio Design and Implementation is a serious business. It has a fundamental impact on you, your family and your business. The economic environment is constantly changing. Investors often find the landscape cluttered or chaotic. In today’s world both markets and politics are global. There are literally thousands of investments to choose from. Most investors do not have the time or interest in becoming a financial analyst. Our team acts as your trusted partner. We navigate through products, data and policies to construct portfolios tailored to your goals and desires. Start here.

It is often said that your most valuable asset is you. So why don’t we all protect our most valuable asset? For our individual clients we can recommend a strategy to protect your ability to earn against the unexpected. For our business clients, we can insure your monthly overhead, provide group coverage for you and your employees, and even plan for a buy-out in the event of a long-term or life changing disability. Don’t leave your ability to earn unprotected. Start here.

CFS has a dedicated team to help our business clients with all the insurance aspects of a strong employee benefits plan. We work with groups of all sizes, from 2 employees to over 10,000. We can help you with group health, life, disability, long term care, dental, RX, and vision plans. We can also advise you on voluntary benefit plans, and help you determine which plans and strategies are best suited for you business needs. Either work with your advisor, or ask your advisor to introduce you to one of our group reps. Start here.

In setting life goals, retirement is often the big dream. When do we start, and how? If we already started, are we on track? Are we taking into account all the factors that will determine how we live once we stop working? You need expert help for this most important need. Our advisors will help you set and achieve your goals with a strategy that matches your personal financial needs with your particular time line and risk tolerance. We’ll help you get there. Start here.

Who would have thought that getting an education would get so expensive? Actually, good financial planners have been tracking double digit inflation in the advanced education market for several decades, and have been advising their clients accordingly. We can show you effective strategies that will give you maximum tax advantage and protect your eligibility for financial aid. Talk to your advisor about planning for college. Start here.