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Financial Services and Planning

Wealth Accumulation

Start planning and stop worrying! In a recent Gallup poll, 60% of those surveyed said they worried about their financial future.

There are a few simple tips you can use to help reduce your worries:

Stick to what you know.

The better informed you are, the better your decisions will be. If you don’t have time or don’t want to learn about financial planning yourself, consider hiring an outside professional and paying him or her to do the work for you.

Diversify your holdings.

Keep some of your money readily convertible to cash in case of emergencies.

Prepare annual net worth and cash flow statements.

This is mandatory to see where you are and whether your financial goals are going to be met.

Don’t use credit to purchase consumption items.

Wait until you can pay cash for things which decrease in value. Borrowing money to purchase a home is usually a sound idea. Using credit to purchase household furnishings is not.

Pay off your credit card balance every month.

Your credit card should be for the convenience of purchasing, not a source of permanent finance. The interest rates are much too high.

Have your insurance reviewed annually.

Do this annually to determine that you are neither under- nor over-insured. Be sure to contact your agent when you buy or sell any property.

Estate Planning

We will work with you, and when appropriate with your other advisors, to increase your net worth, then plan with you to minimize estate taxes. A total program including an analysis of net worth, family gifting, trusts, retirement planning, and family business transfers is available to assist you in maximizing benefits for you and your heirs.

Everyone can benefit from either a will or a trust. Only 41% of Americans currently have a written plan to tell the world how to split up their estates and who will raise their minor children. In the absence of a written plan, the state you are a resident of will decide how to dispose of your assets and who will raise your minor children. Don’t let this happen!!! We can help in the preparation of a will or a trust. Our certified paralegals can prepare these and many more legal documents to ensure that your estate is disposed of and your minor children are raised by those that you designate.

Education Planning

Today there are more advanced education choices than ever. Just as education options have grown, so have the options you have to pay for it. Because college costs have tripled in the past 20 years and will continue to increase, it is important to have a financial game plan in place. No matter how old your child is, it is important to start a plan for their financial future now. We will work with you to develop a plan that works for you.

  • Specialized savings accounts
  • Private scholarships
  • Section 529 plans (state-sponsored college savings programs)
  • College controlled aid

Retirement Planning

Whether you are planning on retiring tomorrow or you aren’t sure you’ll ever retire, it is vital to set goals and create a financial plan for your retirement. After you develop a plan, it is important to monitor it and make adjustments as the market develops. Knowing how – and how much – is the most important part your retirement program. We will help you make the right decisions for you and your family.

  • Employer plans
  • IRAs
  • Savings plans
  • Annuities and investments
  • Retirement portfolio review

Insurance and Risk Management

Insurance is one of the most important things to have when it comes to planning for the unexpected. You need health and life insurance to protect those you love; to protect their dreams and way of life should something happen to you. Life insurance allows you to protect your family’s future.

  • Continue to pay bills and mortgages
  • Maintain current standard of living
  • Pay off debts, estate taxes, and final expenses
  • College education funds
  • Protect your family’s dreams for the future

If you are a business owner, you understand that there is always risk involved. But having a sufficient insurance plan that fits your individual needs is not a risk. We can help you develop a unique plan that will save you money and could help save your business.

Business Insurance

  • Business property
  • Bonds
  • Specialty business liability
  • Workers compensation
  • Mobile property
  • Business life insurance
  • Retirement plans
  • Business health insurance
  • Mutual funds

Call Robert F. Hockensmith today at 602-264-9331 to discuss the best plan for you, your family, and your business. When it comes to their futures, nothing is more important. Developing a plan now gives you the peace of mind you need.

Learn how to protect yourself from Identity Theft and Casualty Loss, watch the video below to learn more.