Financial Planning
At Capital Financial, we always begin with a customized planning analysis, reviewing all aspects of a client’s financial situation including savings, income, investments, IRAs, 401(k)s, 403(b)s, bills, taxes, fees, risks, family and more. Then we determine the best course of action to maximize your current income and future earning potential.
There are a wide variety of tools and services available in the financial world. We’ll show you how to harness those tools and services to create a plan that’s tailored just for you. We’ll also show you how to achieve a lifetime of security thanks to a lifetime of income.
If you feel we may be a good fit and want to get your own total retirement income plan in place, we would be honored to create a one-page financial review that will indicate if you are in need of a full-blown financial plan at no cost and with no obligation.
There are a wide variety of tools and services available in the financial world. We’ll show you how to harness those tools and services to create a plan that’s tailored just for you. We’ll also show you how to achieve a lifetime of security thanks to a lifetime of income.
If you feel we may be a good fit and want to get your own total retirement income plan in place, we would be honored to create a one-page financial review that will indicate if you are in need of a full-blown financial plan at no cost and with no obligation.
Do you have questions? Let's talk.
Our process
To deliver to those who are thoughtfully preparing for or are already in their retirement, the
gift of financial clarity for themselves and their family. We do this by working with our clients to help them determine their financial goals and then tailoring a custom portfolio which is
engineered specifically for them.
Since we have gained the respect of our clients and many others, we take our job very seriously. This is one reason why we are so committed to doing everything we can to stay in front of our competition by continuing to be familiar with the newest investment structures in the industry.
Since we have gained the respect of our clients and many others, we take our job very seriously. This is one reason why we are so committed to doing everything we can to stay in front of our competition by continuing to be familiar with the newest investment structures in the industry.
We listen
We get to know you, your goals, and your unique situation. By developing a close working relationship, we ensure that the plan we design will lead you to the retirement you envision.
We Plan
We develop a strategic plan to help you meet all your financial and retirement goals. Our holistic approach also addresses concerns such as tax minimization and legacy planning.
We Implement
We put your customized plan into
action in a swift and efficient manner, while ensuring you feel comfortable throughout the entire process.
We Adapt
We monitor your plan and offer
updated strategies as your life changes. “Life happens” and sometimes you need to adjust your plans. You can feel confident knowing that we are there for you to provide guidance and advice every step of the way.
As the world has become more complex, so has our financial lives.
Many of the people that seek financial help do so because there are too many choices today, and the information that is available is overwhelming. Let Capital Financial & Insurance, LLC help!
We are a completely independent and fiduciary firm, assisting those who are retired or looking to retire soon with financial clarity and tax planning. First and foremost, we listen. We meet with our clients to understand their present and future needs.
We are a completely independent and fiduciary firm, assisting those who are retired or looking to retire soon with financial clarity and tax planning. First and foremost, we listen. We meet with our clients to understand their present and future needs.
Personalized long-term relationships with a strong emphasis on client education
Over the years, we have made a real difference in many people’s lives. Our clients have told us that they now feel in control, and finally have added peace of mind regarding their improved financial situation.
Whether you’re exploring retirement for the first time, looking for a second opinion, or are simply unhappy with your current financial situation, give us a call. Capital Financial & Insurance is an independent firm, specializing in helping individuals preserve and grow their retirement accounts while implementing advanced tax and estate planning strategies.
Whether you’re exploring retirement for the first time, looking for a second opinion, or are simply unhappy with your current financial situation, give us a call. Capital Financial & Insurance is an independent firm, specializing in helping individuals preserve and grow their retirement accounts while implementing advanced tax and estate planning strategies.
Our Philosophy
Our simple philosophy will help you to accumulate wealth while protecting your assets and planning for a healthy retirement.
You’ve worked hard to build your future—now we work hard to help protect it.
With diversified portfolios, we help guard your hard-earned assets to build the retirement you’ve always dreamed of.
You’ve worked hard to build your future—now we work hard to help protect it.
With diversified portfolios, we help guard your hard-earned assets to build the retirement you’ve always dreamed of.
This review includes
Fee Report
How much are you paying in fees and commissions with your current plan? Identify those Financial Termites.
Tax Analysis
Is there a way to save money in taxes down the road by planning proactively now?
Total Income Plan
Do you have an income plan in place to be sure that you aren’t in danger of running out of money?
Inflation Plan
Do you have a plan to address inflation in future decades as the cost of everything continues to rise?
Social Security Review
At what age should you start taking that benefit and how does it fit into your overall income picture?
Risk Assessment
How much risk are you taking in your portfolio and is it appropriate for your age and the return?
Long Term Care Review
Do you have a plan for how you’ll pay for assisted living or nursing home care if you need it?
Legacy Planning
If leaving a legacy is important to you, have you determined the best way to pass money on to future generations?
True Understanding
We’ve found that most people don’t have a true understanding of three basic things.
1. They don’t know how much they’re paying in fees and commissions,
2. They don’t know how much unnecessary risk they’re taking with their nest egg, and
3. They don’t understand the tax implications of their retirement savings.
We’ll sit down with you and help you understand all of those issues.
1. They don’t know how much they’re paying in fees and commissions,
2. They don’t know how much unnecessary risk they’re taking with their nest egg, and
3. They don’t understand the tax implications of their retirement savings.
We’ll sit down with you and help you understand all of those issues.
Ready to take the next step?
Schedule a free consultation with one of our financial advisors.