Comprehensive, Personalized Strategies Aimed at Long-Term Financial Success
At Securenet Financial, we believe strongly in the value of holistic financial planning – and approach that considers all aspects of a person’s financial life, while also being personalized and designed with your long-term goals in mind. Our Modern Financial Plan goes beyond assessing your current finances; it offers a comprehensive outlook that extends throughout your retirement and even beyond, so that every stage of life is accounted for. In this article, we are delighted to share more about our planning model and process.
Our Modern Financial Plan – Built with Your Needs in Mind
Our Modern Financial Plan includes five key areas of service, which we’ll elaborate on below. This approach is not just about safeguarding wealth but aligning your resources with a fulfilling and stable lifestyle. We emphasize tax-efficient strategies, lifelong income sustainability, and legacy considerations to help you build and implement a plan that reflects your unique journey.
Our Five Key Areas of Service
These five aspects of holistic financial planning allow us to create a Modern Financial Plan personalized to each client’s needs:
1. Lifetime Income Planning
When it comes to preparing for retirement, one of the most critical success factors is assessing your income needs and creating a long-term, sustainable plan. Without a reliable income source, retirement can become quite challenging – and even fraught with anxiety. That’s why initiating the planning process at your earliest opportunity is crucial. Our approach involves a thorough evaluation of your income streams to help you optimize their potential. Additionally, we carefully examine your expenses to anticipate inflation and account for any potential gaps in income. By adopting this comprehensive strategy, we strive to help you achieve your dream retirement.
2. Investment Wealth Planning
Since each of our clients is unique, we believe their investment plans should be, as well. Too many firms are focused on one investment product, and they push it on everyone – even though it may not be in the best interest of every client. This trend in the industry concerns us, and it’s why our comprehensive analysis takes into account your individual circumstances to tailor a plan that suits your needs. Our philosophy to investing is the “asset allocation model,” but what that means is that we look at each client’s holistic current portfolio and then make sure each portion is invested in the way it needs to be to meet that person’s needs. Our focus lies in striking a delicate balance between risk and reward so that you don’t subject yourself to unnecessary risks during unfavorable times.
Additionally, we carefully strategize the optimal sequence for accessing your hard-earned savings when required, enabling you to fully enjoy the retirement lifestyle you deserve. Through meticulous management of your investments, our aim is to optimize their potential while preserving financial flexibility, allowing you to fulfill your retirement dreams and achieve your desired objectives.
3. Tax Planning
Retirement income often fluctuates and that can have adverse effects on your tax burden. It is crucial to have a clear understanding of the potential tax implications related to your investments and future income, as these directly impact your monthly spending capacity. Our dedicated team of tax professionals focuses on optimizing your tax situation with the aim that you will not pay more than necessary. We strive to identify and implement tax-efficient strategies that allow you to draw from your retirement funds in the most advantageous manner. By minimizing your tax burden and optimizing your available income, our goal is to enhance your financial well-being throughout your retirement journey.
4. Retirement ‘What If’ Planning
Drawing from our firsthand experience, we deeply understand the significant impact that unforeseen events can have on both you and your loved ones. Whether it’s the passing of a spouse, an accident, health emergencies, or age-related issues, these occurrences no longer have to result in financial ruin. Thankfully, having a Modern Financial Plan means we’ve taken these possibilities into account ahead of time with a proactive plan, alleviating the stress that comes from dealing with them during already challenging moments.
5. Legacy Planning
We deeply understand and respect the significance of being empowered to make decisions about how your affairs are handled after your passing. We integrate this aspect into your comprehensive living plan. We recognize that this is an intensely personal decision, and our unwavering commitment is to work diligently to see that your assets are distributed according to your specific wishes and instructions. Furthermore, we are dedicated to optimizing the transfer of your assets in a tax-efficient manner, thereby minimizing any unnecessary tax burdens. With the assistance of our dedicated legal affiliates, we carefully manage the entire process, supporting you in fulfilling your desire to leave a lasting impact as you choose.
Understanding Our Process
How does this all come together to form one personalized, holistic plan? We take a four-step approach with each client that looks like this:
1. Introduction: We begin by understanding your personal and financial aspirations.
2. Strategy Session: Here, we develop a strategy that aligns with your needs, future goals, and tax-efficient income strategies.
3. Implementation Planning: We put the plan into action, leveraging our team’s extensive knowledge and experience.
4. Ongoing Communication and Monitoring: This allows for the plan to evolve as your needs change.
What sets us apart is the synergy of our collaborative network, comprising Securenet Financial Services, LLC, Pilot Financial Services, LLC, and Securenet Tax. Combined with our partnerships with Alphastar Capital Management, LLC, and Financial Independence Group, LLC, we offer the personalized service of a boutique firm with the deep expertise and competitive edge of larger institutions. Together, we craft Modern Financial Plans that adapt to a changing financial landscape and position you for long-term success.
How To Get Started: Working with Our Dedicated Team
We offer a complimentary review of your current plan with no cost or obligation. This gives you the opportunity to see how our personalized and holistic Modern Financial Plan might optimize your financial strategies and help you to better meet your goals.
At the heart of Securenet Financial is a team committed to making sure every retiree has a detailed, written plan that supports both financial longevity and the lifestyle they envision. Our Modern Financial Plan means not only setting the stage for financial stability but also meaningful preparation for life’s unexpected moments.
We invite you to explore how a comprehensive, tax-conscious Modern Financial Plan can help you achieve the retirement you’ve dreamed of! Contact us today to schedule your complimentary consultation. We look forward to hearing from you!
