Financial Planning

A financial plan can provide a comprehensive roadmap to help you meet your goals after a thorough evaluation of your current financial position. Many personal factors (i.e., birth of a child, new job, inheritance, new home purchase, retirement, marriage/divorce); or economic factors (i.e., stock market volatility, tax law changes, political/economic environment changes) could cause your current financial position to change.

Cornerstones of Financial Planning

CASH MANAGEMENT & LIABILITIES

  • Cash Flow
  • Cash Reserve
  • Cash Management Options
  • Debt Management
  • Home Purchase/Refinance
  • Upcoming Large Expenses

PROTECTION

  • Home/Auto/Umbrella
  • Employer Benefits
  • Health Insurance*
  • Disability Income*
  • Long Term Care Insurance*
  • Life Insurance
  • Beneficiary Reviews

*Availability varies by carrier and State

INVESTMENTS

  • Risk Tolerance Assessment
  • Employer Sponsored Retirement Plans
  • Traditional IRA/Roth IRA
  • Brokerage Accounts
  • Education Savings Accounts
  • Guaranteed Income Solutions

TAX & ESTATE PLANNING STRATEGIES

  • Partner with CPA/Attorney
  • Tax Management Strategies
  • Roth Conversions
  • Wills/Trusts
  • Power of Attorney
  • Healthcare Directive
  • Legacy Planning
  • Business Continuation

What Is a CFP® Professional?

A CFP® certificant is a credentialed financial professional held to strict ethical and performance standards. According to the CFP® Board, CFP® professionals “are trained to help you develop a comprehensive strategy to reach your short- and long-term financial goals … from planning for retirement to saving for college.”

In order to earn this coveted credential, every prospective CFP® certificant must have at least 4,000 hours of financial planning experience and meet additional initial certification requirements in four main categories. Only those who meet these rigorous requirements can call themselves CFP® professionals.

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Footnotes
¹ You have the choice to implement the recommendations in your financial plan on your own, with your Financial Planner or through another financial services professional. If you choose to implement your plan with your Financial Planner, he or she may sell services and products to you in his or her capacity as (1) a registered representative of Pruco Securities, LLC, a registered broker-dealer, and/or (2) a licensed insurance agent of The Prudential Insurance Company of America and/or its insurer affiliates.