FEE-BASED COMPREHENSIVE FINANCIAL PLANNING
Most people understand the importance of saving enough money for retirement, but when it comes to preparing for your future, retirement planning is only one aspect of a well-rounded financial plan. Turning your financial goals into reality also requires planning for investments, taxes, and your estate. It requires taking a hard look at your current financial position, being able to project your net worth, and knowing what you would do in the case of an emergency. And it requires difficult work, like thinking about how you’ll protect your income if you become disabled and can no longer work, or how you’ll provide for your family after you’re gone. It’s a lot—especially if you’re not the type of person who’s interested in finance. That’s where we come in.
At Winter & Associates, our team lives and breathes the financial world. President Nicole Winter Tietel is the fourth generation and first woman to lead our dynamic company and has helped her clients protect, accumulate, and distribute wealth for over 20 years. If you’re looking for a financial planner who will be your advocate and ally, you’ve come to the right place. Our fee-based financial planning services are designed to examine your total financial picture and set you up to achieve your optimized retirement scenario.
FEE-BASED FINANCIAL PLANNING INCLUDES:
- Investment analysis
Are you curious if your current investments are optimally selected or balanced? Do you feel as if you’re guessing when you select funds for your retirement plan, or do you have a nagging worry that you are essentially gambling with your hard-earned savings? We take a close look at your current investments and provide a careful analysis of your present situation. We’re happy to let you know what you’ve done well and will provide you with a recommendation to improve your portfolio.
- Financial position
Do you find yourself looking at statements, bills, and policies, and wondering what your entire financial picture looks like? Is it good, bad, or somewhere in the murky in-between? As an individual, it’s very challenging to take an objective and comprehensive look at your own financial situation. Our advisors are skilled partners in walking this path with you and in bringing holistic clarity to your financial position.
- Risk analysis
One of the greatest issues we often see when analyzing a portfolio is an unsatisfactory risk to return ratio. The goal is to achieve the greatest amount of return for the least amount of risk, and while this can be challenging to execute and maintain, we have decades of experience in this vital piece of financial planning. We will take a detailed look at your entire investment picture, considering every account and position, and will provide a recommendation to optimize the risk to return ratio for your specific situation.
- Retirement planning
Perhaps you’ve been diligently saving into your 401(k) for years, but you still wonder if you’ll have enough for retirement. Do you hear conflicting thoughts regarding Social Security timing and ideal retirement age? These are all factors that vary greatly depending on your personal situation, and you need answers that speak to you and your goals. We are proficient at gathering your retirement dreams and data and distilling them into carefully customized scenarios that are aimed at giving you a sense of security as you approach this life transition.
- Estate planning
Estate planning is so easy to neglect, and yet it’s incredibly important for people of all ages, especially for people heading into retirement and those with children. It can be a very simple structure involving working with an attorney to set up a will, healthcare directive, and powers of attorney, or can be quite complex. Everyone’s situation is truly different and working with a skilled financial advisor and an estate planning attorney are invaluable in ensuring that your legacy is properly protected and planned for.
- Protection planning
Far too easy to overlook, insurance is nonetheless a vital piece of protection for you and your loved ones. Insurance can provide the foundation to a financial plan that can help you to sleep soundly at night. We have a strong history of critical insurance analysis and recommendations that are highly tailored to your needs and priorities.
- Probability of achieving financial goal success
There are countless unknowns in life – feeling uncertainty around the likelihood of achieving financial goals should not be another stress point. There are many factors to consider, and we’ll use our vast experience to review them, from the technical to the emotional. We’re then able to provide you with the probability of reaching your goals and will provide guidance and direction identifying factors that can be improved so that you can reach your goals proactively and with confidence.
- College planning
Planning for college takes intention and management throughout the student’s education. It has become an increasingly complex process and requires careful consideration to determine the right combination of loans (federal or private) and direct funding. There are multi-layered strategies that can involve specialized accounts like 529 plans, UGMA or UTMA accounts, and custodial accounts. We are skilled at creating a college funding plan to help minimize the post graduate debt that so many face.
- Actionable solutions
Insight is incredibly powerful, but without actionable solutions it lacks impact. We’re here to educate, inspire, and then guide you toward achievable solutions that will make a positive impact. A comprehensive plan provides comprehensive solutions – leaving you with confidence and a sense of wellbeing.
Ready to get started, or want to get to know us better? Please contact us via phone or email.
FOR US, THIS BUSINESS IS PERSONAL
A trustworthy financial advisor is one who helps you keep your financial hopes and goals at the forefront of every decision. When you choose Winter & Associates, we commit to helping you set meaningful goals and create actionable strategies to help you reach them. Instead of off-the-shelf advice and cookie-cutter financial products, we design customized strategies that can serve your needs now and as things change. To book an appointment, please give us a call at 651-414-5000, or fill out the contact form here.
Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them. 3065297/DOFU 7-2020