Financial and Estate Planning

Financial Planning is the advice and assistance designed to help meet your life goals.

Depending on your season in life, some or all of the following areas may need reviewing:

Wealth Building - Are you harnessing cash flow?

Investment Management - Which investments are for you?
  • Retirement funding
  • College funding
  • Managing debt and mortgages
  • Special purpose
  • Tax planning
  • Your investment profile
  • Evaluation of your risk tolerance
  • Types of investments
  • Diversification
Estate Planning - Who will receive your estate? Risk Management - Are you properly insured?
  • Wills and trusts; probative intent
  • Succession planning for business and estate
  • Minimization of death taxes and probate expenses
  • Life insurance considerations - how to calculate
  • Auto, home and other casualty exposures
  • Disability insurance, if needed
  • Medical and long-term intensive care insurance
  • Elder care concerns
 

As fee-only advisors, commissions are neither earned nor accepted.
This assures you the utmost in objectivity and independence, with no conflicts of interest.

Financial and Estate Planning are major components of
total wealth management in our "Personal Financial Guardian" service.



©2002 Hayes & Associates