Learning about you and your goals gives us the insight to proactively guide your investments and financial planning. We focus on what each person is trying to achieve, while developing their plan that remains flexible, because we all know life changes. We believe in simplifying the complexities of financial planning so that you feel confident in our guidance and, ultimately, your own decisions about your financial future. Understanding your ultimate goals enables us to provide better financial outcomes not only for you but for your family.
Whether you are concerned about your retirement, financial protection for your family, the succession of your business, charitable giving or how you leave your legacy you can be assured that we have the expertise to work with you in accomplishing your goals.
We will empower you to make informed decision about your finances, focusing on the following six areas of financial planning; all of which have an equal impact to a sound financial plan.
Review of your current Financial Position to help determine if you are making the best choices when it comes to cash reserves , debt management and whether your income, expense and savings are balanced and appropriate for meeting your goals.
We analyze your situation and help find ways to protect your income, assets and business if applicable, at every stage of your life and as circumstances change.
We design a strategy to help you invest your assets in order to meet your financial goals by taking into consideration your personal situation and tolerance for risk.
When applied appropriately in conjunction with a financial plan, tax strategies can help reduce the impact of taxes on investment returns and income. We can provide guidance for ways to decrease, eliminate or defer taxes.
The earlier you start saving, the more flexibility and freedom you'll have to choose the when, how and where of retirement. For business owners, we can show you how to take advantage of retirement strategies to maximize your retirement savings while offering plans that can reward and retain top talent. And even if you are already retired we can help to ensure that your savings continues to work for you.
Proper estate planning can help you to pass on more of your wealth to your family and charities than to taxes. It can to take into consideration the special concerns of young families with minor children, families who have members with special needs, business owners who need to address succession planning or grandparents who would like to help the grandchildren go to college. From intergenerational wealth planning to philanthropic gifting, we work with you to understand your wishes and honor them on your behalf.
*Neither MML Investors Services, LLC nor any of its subsidiaries, employees or representatives are authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.