Helping make sure your money enables you to live the life you enjoy is our most important job.
At Financial Concepts, our mission is to help our clients build a comprehensive financial plan, and stick to that plan year after year, to help them achieve their financial goals. Our process for accomplishing this mission is much less complicated and easier than most folks expect.
We'll begin by assessing where you are today. This involves examining what you own, what you earn, and your current expenses. This information gathering provides a clear and shared understanding of our starting point.
We'll explore your long-term goals. What are your hopes and dreams? What would you like to accomplish financially for yourself and the people you care about? At what age do you want to retire? What are you going to need or want to do for your parents as they age? What are your plans for your children’s education?
We'll determine your optimal plan—or how to get there from here. We'll look at factors such as the cost of the things you desire, the gap between where you are now and where you want to be, how much time we have to close that gap, and how much money you're realistically willing and able to commit to putting away.
We'll create a plan to help protect your assets. Even the best plan needs protection against risks such as disability, loss of life, career changes, relocation, or other life circumstances that affect us all. We'll identify ways to help you reduce risk to help ensure financial success, no matter what unexpected events come your way.
For most of our clients, the greatest benefit that comes from the planning process is a tremendous lifting of the weight of concern that comes from knowing you have a clear destination. By working with you to create a sound financial plan based on knowledge and a time-tested approach to investing, we hope to reduce financial anxiety.