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Our focus is to help you understand how we implement what you need and make it happen hassle-free by peeling back the onion of financial planning. We highlight how the government uses traditional savings avenues such as 403bs and 401ks to act like a fox in the henhouse, gobbling up all your financial nest eggs and leaving you with substantially less than you thought you would have. It is your choice to pay taxes on the seeds or taxes on the harvest. The government wants you to pay taxes on the harvest.
We pull from multiple financial planning strategies, break them down, so they’re easy to understand, explain the pros and cons of different strategies, and then create a roadmap tailored to your unique goals to set you on the path to achieving your dream lifestyle. There is rarely one single answer to anyone’s financial road trip, which is why all our financial routes are created just for you.
Yes, life is full of successes and unexpected rainy days and sometimes potholes, and we need to share those with you. We can introduce you to some financial seatbelts, which can help lessen the overall risk to you on the journey to your destination. But it is always your decision to include seatbelts for you and your loved ones.
We offer multi-generational planning and want to know all our clients’ extended families, including children and grandchildren. The more we know, the better we can help you plan and prepare for the long haul, not just for yourself but for the ones you love as well.
“The best way to predict the future is to create it.” P. Drucker, A. Lincoln
It is the leading risk because it is a risk multiplier. If you retire at 65 and die 3 years later due to a heart attack, it won’t matter; if the stock market goes down 30%, it won’t matter; if you were withdrawing 10% per year from your portfolio, it won’t matter; if you did not buy long-term care, it won’t matter, because you did not live long enough.
But if you live to age 85, 90, or 100, the math says you must take longevity risk off the table because of all the other risks that can wipe you out.
No crystal ball provides the answers to all of life’s financial problems. Unexpected twists and turns and roadblocks can arise to set you back and try to steer you off your financial course. We work to try to minimize the impact of the unexpected by equipping you with a roadmap and a compass that can help navigate you toward your goals, even when life forces you to take an unexpected detour. The direction is always forward, and the destination is always smart financial decisions.
Looking at your longevity, it is crucial to include all financial aspects of your life. We include your Human Capital which is your ability to earn and save. It is the present value of all your expected future wages, including, if you have one, your pension. Your Human Capital may be your largest asset. The second part of your financial life is your Financial Capital, which includes your property, stocks, bonds, and all you have saved. Human Capital plus Financial Capital helps us complete your total financial picture.
We are not CPAs. CPAs are recorders of history and usually do an excellent job. We look forward to working with your CPA. We can provide you with options to minimize future taxes. Everyone’s tax information is different, so there is rarely one answer to minimizing taxation.
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What does it mean to be an Accredited Investment Fiduciary (AIF®)
A fiduciary is a financial professional who is legally obligated and committed to putting the client’s best interests first and must adhere to a standard of always acting in the best interests of the client.
Accredited Investment Fiduciary Professionals® (AIF®) are part of an elite community of fiduciary professionals who have earned credibility and distinction in the marketplace.
Why would someone hire a Certified Financial Planner™?
People hire certified financial planners for many reasons. You may worry about your long-term financial stability, leaving an inheritance for your loved ones, saving college tuition funds for your children, or simply maintaining and enjoying the lifestyle you’ve become accustomed to. These solutions do not lend themselves to do-it-yourself projects. As a CFP®️, Nancy Hite asks challenging questions and takes an objective, commonsense approach to your financial planning, giving you an individualized approach to meeting your financial goals.
What does a CERTIFIED FINANCIAL PLANNER™ (CFP®) do?
Different financial professionals take different approaches. The team at The Strategic Wealth Advisor® leverages their training and experience to provide comprehensive financial planning. This means they look at more than your 401(k) or IRA; they learn about your personal goals and then craft a plan that considers: equities and other investments such as future plans and real estate, future income planning, possible long-term care expenses, estate planning, financial risk management and tax reduction strategies.
Are you a stockbroker?
Nancy Hite is licensed to trade securities on behalf of her clients; however, she is not a stockbroker. A stockbroker trades stocks but doesn’t necessarily consider a client’s comprehensive financial plan and whether one security versus another better suits the client’s specific goals. Investing in stocks should be just one piece of a comprehensive financial plan.
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