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Family Portrait

Investing and planning for your financial future can be complex and confusing with ever changing tax laws, market uncertainty, and the unknowns of life. Now imagine creating a road map to address those concerns, with a goal of providing a secure financial future focused on maximizing family value, minimizing taxes, and increase charitable giving.

 

Whether you’re building your nest egg, preparing for retirement, or preserving your estate for you and your family, we can help you. Our trusted advisors work with retirees, trustees, business owners, and new investors.

Personal Financial Services

Personal financial planning is a smart move for you, regardless of age. 

COMPASS
  • Investment Management ⌄
    A Portfolio Designed for You. Investment management is an important part of your financial plan. Our risk adjusted portfolios are built around your unique financial planning goals and are managed to help you achieve your goals over the long-term. We'll identify a portfolio solution that is designed around your specific needs so you can move towards your financial goals. Also, as an independent advisor and fiduciary, we help you try to avoid mistakes such as chasing the market, panic selling, or taking too much or too little market risk. Our diversified investment portfolios are carefully crafted to weather the storms during market down turns, and capture the upside gain during market growth. We use advance analysis tools that will identify your investment risk tolerance and monitor your risk level across all of your investment. By incorporating the risk of all your investment accounts, we are able to make recommendations based off your entire portfolio, rather than the objectives of one account.
  • Retirement Planning ⌄
    Saving for retirement can be a daunting task, but it doesn’t have to be. We will work with you to understand the best ways to save and to prepare for retirement. Then we'll help you design a plan to reach your retirement goal while enjoying your life, and making meaningful memories along the way. Our experienced advisors provide investment management for: • Retirement Accounts (IRA, Roth IRA, 401k, 403b, Profit Sharing & Pension Plans) • Individual & Joint Accounts • Trust Accounts (Living, Irrevocable, Charitable) • Education & Minor Accounts (529, UTMA) • Entity Accounts (Foundations, Non-profits, Churches & Corporations) Schedule a call with us today.
  • Insurance Planning ⌄
    Life insurance isn't one-size-fits-all. There’s a range of types and features to consider—many of which can be customized to your individual needs. Our Highway Financial Networks® advisor will guide you through your options so you can make a choice that fits your goals. Whether you want insurance for now or for a lifetime, we have options to help protect whats important.
  • Giving Assistance ⌄
    Generous Living Creates Income & Tax Efficient Strategies. There is no better feeling than knowing that your money is being used for a greater good. We can help you set up a plan where charitable gift planning is implemented into your finances. Even the smallest amount given can change someone’s life for the better. If you would like to donate to charity, we have many options in place to make that happen. Planning your gift giving will make all the difference to keep your finances organized. We can go over all options for charitable gift planning so you can know you’re making the best decision for your finances. There are many benefits of charitable gifts and we can go over what that means for you, your business, and your family. We can make a plan for any donor and go over the different ways you can give a planned gift. Some examples of what a planned gift might be are bequests, charitable gift annuities, retirement plans, charitable remainder plans, and more. There are a few things to consider when making the decision to donate that we will assist you in: • Itemize deductions on your tax return if you are considering deducting charitable donations. We can go over the best option for your or your business when it comes to deductions. • Be sure to obtain a receipt for donations that are $250 or higher to a single charity. This is important to keep track of your donations. • You may need an independent appraisal for gifts of goods or property that are worth equal to or more than $5,000. We would love to create a personalized giving strategy for your charitable giving no matter how or what you choose to give.
  • Wealth Planning ⌄
    Wealth Planning Services empower you to use money as a tool to help achieve your dreams. No matter where you are on your financial journey, we can incorporate your values into a personalized plan. We start with you and develop a deep understanding of where you are and where you want to go. Then, we discuss concerns such as retirement, higher education, long-term healthcare needs, and legacy planning. We create a wealth plan that includes not only investments, but also advice to help you grow and protect your estate, minimize taxes and optimize giving. When you work with us in a dedicated planning relationship, you’ll find clarity for where you are today, and confidence for where you go tomorrow.
  • Estate Planning ⌄
    At Highway Financial Networks®, our advisors will help you align your estate plan with your financial plan, that includes creating a will or trust, regular updates, reviews and beneficiary reviews. We can also help you address commonly overlooked items that can create significant risks and complications for your loved ones. Your proactive and thoughtful planning will make the passing on of your valued possessions much clearer and easier when that time comes. We’re here to work as a team, and with any of your outside professionals, to guide you throughout this process. We want to minimize your estate’s burden and maximize the value distributed to your loved ones and the organizations you cherish.
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Statistics show that 47% of Americans—almost half—say they would like an Estate Plan, but simply haven’t gotten around to doing it yet.

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Also, 88% of Americans said they believe that for someone to pass away without an Estate Plan seems inconsiderate and even irresponsible.

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Family Wealth Design

®

We believe true wealth is created on purpose, and that it's more than just the accumulation of assets. We want to take time to listen and help you strategically align your wealth with your values, for the primary purpose of enhancing your life experiences and building your lasting legacy. 

Most investment firms will start with step 1 and help you to get an assessment of where you are, but then they move you quickly on the straight path to investment management based on your current circumstances.

We believe there's a higher way to not only manage investments, but also gaining a deep understanding of where you are and where you really desire to go.

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When you choose to take the higher way of Family Wealth Design®, we'll discuss your concerns and long-term needs, hidden dreams, and legacy planning. We'll show you various scenarios to ensure you have a clear path to move forward comfortably, and then help you craft a wealth plan to take action. This includes investments, but also advice to help you achieve financial dreams, grow and protect your estate, minimize taxes, and optimize giving. We will help you build a true legacy that goes beyond you. 

More about our steps

STEP 1

The first phase of our planning process is to help organize your finances. We'll identify and assess all the pieces in your financial picture then deliver a detailed report to you.

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STEP 2

After the assessment, we perform a gap analysis to determine if you are able to achieve your goals with your current income, assets and investments.  

Our gap analysis will identify potential areas of concern that may prevent you from achieving your financial goals.

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STEP 3

The solution phase is where the value of planning magic happens.

We'll identify the pathways that will increase your likelihood of achieving your financial goals, and collaborate with your attorney, CPA, and trust officer for the best solutions. This becomes your personal Family Wealth Design.

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STEP 4

Plan implementation is a critical part of your success.  Your personal Family Wealth Design® plan includes a set of recommendations that will need to be implemented by your professional team of advisors.

We'll help you implement your plan and continue to collaborate with your professional tax, legal and trust advisors to help ensure full implementation of your financial plan. 

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Let's get started today    (530)223-1222 

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