Financial Planning & Advice

Planning and Advice Philosophy

Planning-First Approach 

Financial Services Group understands our client’s best interest is to receive investment and insurance advice based on a financial plan. Whether it be a simple goals-based plan, or a wholistic Retirement Plan with income, estate and tax strategies included, the fundamental principle stays the same – we need a reference point from which to base our recommendation. We refer to this as our “planning-first” approach.

Deep Client Relationships

We believe it is imperative to understand our clients on a personal level. Of course, we want to know their high-level thoughts on money and financial objectives; however, we also try to understand their personal goals and motivations. The more in-depth our relationships are with our clients, the more thorough and valuable our planning and product advice will be.

Long-Term View

We know the best plans are made with a long-term view in mind, and our planning and investment advice will take this approach.

A Note from Gary, our Founder:

The importance of a financial plan can be illustrated by using the Measuring Tape Test. Roll out a measuring tape on the floor to the number 94, representing 94 years. Now put your big toe on the number representing your current age. Look back over the years you have lived and then ahead to what the future holds. The average life expectancy for males is 76 years and for females is 86 years. These numbers will increase somewhat if we attain the magic 65 years of age.

We often remind clients that our best years are likely the current ones rather than the future ones. A couple, both age 65, may have 10 to 15 years together and chances are good that the female may live alone for 15 years or more. No matter where you sit on the measuring tape of life a good financial plan is crucial.