I take a holistic, needs based approach when I comes to my client's financial planning. The planning is absolutely complimentary, as I believe everyone should have access to a personal advisor. Our mission is to educate and empower. I look forward to have the opportunity to compete for your business.
I encompass all aspects of your plan from your foundation with insurance, to retirement planning, healthcare, debt solutions and estate planning. We are a non-captive firm. What that means for you is that I have access to every company and can shop to make sure I'm getting you the best rates and with the best growth potential.
I love my clients and helping them either just get started on their financial path; or putting together the plan to help them transition from working to retirement and seeing their goals and dreams come true. I've been in the insurance industry for over 15 years, and planning for 5. My mom was left behind the traditional industry and she is why I do what I do. It is my passion and calling.
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I'll meet with them for 45-90 minutes, depending on their needs to do a needs analysis and educate them on different financial concepts that might apply. Then I do my homework and come up with solutions and meet with the potential new client a second time (or more if necessary) to choose the best option for them and complete any necessary paperwork. During the process I stay in communication with them via phone, text or email (their preference).
I have a life, accident and health insurance license. I have attended several seminars and trainings regarding products and trainings.
My plans are always complimentary. I never ask for a fee to do a plan, though I do accept referrals.
I wanted a way to change people's lives when I was introduced to the planning side. My father passed away after losing his insurance he had at work due to being laid off. That left my mom struggling since he was the primary breadwinner. As a result of that and not having anyone sit down with her, she was forced into medical retirement at age 65 with $9,000 in her 401(k). I knew if I could help just one person not follow her path, then I've made an impact on the world.
I've worked with those just starting in the work force helping them get set up for retirement, to business owners, husband and wifes, to those entering and in retirement helping them make their money last.
I was recently asked to speak at a beauty pagneant where the contestants were the ages of 16-26. We had a conversation of savings, the Rule of 72, and how procrastination can hurt you. The young women were so receptive of the information, and one has even reached out to start her saving for retirement at the age of 21.
Several things I would look for, first one is make sure you like them. A financial advisor is someone who should be with you your entire life, just like a great doctor. They should be willing to do at least annual reviews, if not more during the year. They should be non-captive, which means they are not tied to one particular company - they can provide you with a company that is the best fit for you, not them. Lastly, they are willing to do insurance, retirement planning, health care, or have a really good team around them that will work with them to make sure all the parts of your financial life work together.
Start by having a honest conversation with yourself about your spending and saving habits. One of the biggest things when I'm sitting down with clients is the lack of awareness or willingness to be aware of where they stand with debt, savings, insurance protection and what it will take to get them to their goals and dreams. The second thing now I know where I'm at, where am I going? What are my goals? What is important to me? Is the $80,000 car or being able to save for retirement? What changes am I willing to make?