No matter where you are in life—or where the people who matter the most are—our team at Heartland Financial Advisor is pleased to provide a broad range of financial planning services to address your current and future needs. Whether we are saving for college, saving for a home, starting a business, preparing for retirement, or planning for the transfer of wealth, whether it is today or tomorrow—for you or your loved ones. If it is important to you, it is important to us—ensuring the Heartland Financial Advisor team as your trusted financial partner for generations to come.
If it is important to you, it is important to your financial plan—your family, home, children’s education, travel, retirement, and much more. Understanding your finances is one part of the financial planning process. Understanding you is the most crucial part. We take into consideration all aspects of your life to help you effectively plan to meet current needs while maintaining a focus on your future objectives.
- Your goals and dreams.
- What your investment objectives and expectations are
- How tolerant you are to risk and its relevance to your plan
- Your investment time horizon—how long you are planning to invest
- Your specific tax considerations
- Analysis and structuring of cash flow.
- The implementation of a budget or other cash-saving measures.
- Opening any new accounts necessary.
- Ongoing funding of the plan.
- Repositioning of current assets—the sale, purchase, or transfer of securities.
- Comprehensive Financial Plan Development
- Cash Flow & Budget Planning
- Wealth Management
- Retirement Planning
- Income Planning
- Education Planning
- Risk Planning (Insurance)
- Estate Planning
- Business Succession Planning
- When do you want to retire?
- Do you want to stop working completely, or would you prefer to work part-time or in a different career?
- Where do you want to live?
- What activities do you look forward to enjoying?
- What level of medical expenses do you expect?
- What do you want to accomplish by investing?
- What does your investing timeline look like?
- How would you describe your risk tolerance?
- Life Insurance – Term and/or Permanent
- Long-Term Care Insurance/Planning
- Disability Insurance
- Health Insurance
- Medical Savings Accounts
- Designating guardianship and inheritance manager for minor children
- Preparing for transfer of wealth in accordance to your wishes and values
- Detailing instructions for your care if you become disabled before you die
- Providing for loved ones who may not be prepared to handle an inheritance well
- Ensuring transfer of wealth is done in a timely manner
- Minimizing tax implications, court costs, and unnecessary legal fees to your heirs
- At disability: The court, not your family, will control how your assets are used to care for you through a conservatorship or guardianship. It can be expensive and time-consuming, becomes public record, and it can be difficult to end even if you recover.
- At your death: If you die without an estate plan, your assets will be distributed according to the probate laws in your state. In many states, if you are married and have children, your spouse and children will each receive a share. That means your spouse could receive only a fraction of your estate, which may not be enough to live on. If you have minor children, the court will control their inheritance. If both parents die, the court will appoint a guardian without knowing whom you would have chosen.
- Would you prefer to have these matters handled privately—by your family—or the courts?
- Would you prefer to keep control of who receives what, and when?
- If you have children, would you prefer to have a say in who will raise them if you are no long able?
Ready to find out more?
Contact us today to schedule your complimentary consultation.