Financial Planning

Financial Planning

At Future Financial, we believe that everyone can have a better quality of life through proper planning and advice. Money and finances are one of the greatest stresses in a person’s life and it’s our job to help you make better financial decisions along the way. We can help by providing independent, unbiased, professional advice.

 

What is Financial Planning?

Financial planning is a multifaceted process that provides direction and meaning to your financial decisions. Your plans are sure to change as your lifestyle and circumstances (house purchase, marriage, children, career change, inheritance etc.) A well thought out plan helps you to understand how each financial decision you make affects other areas of your finances and ultimately your life and financial goals.

A well thought out financial plan will include the following:
• Retirement goals plan
• Investment plan
• Tax minimization plan
• Risk protection plan (i.e. Insurance)
• Estate plan

 

Benefits of Financial Planning

The key to effective financial planning is looking at “The Big Picture” and taking into account all relevant aspects of your financial situation. It includes the ability to identify and analyze interrelationships among often conflicting objectives. This unique integration of knowledge and skills across a broad range of topics distinguishes professional financial planning from general financial advice.

By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track. You can take control of your future and achieve your personal objectives.

Developing a financial plan will force you to review:
• All investments and other assets
• Investment objectives and risk
• Expenses and budgeting
• Short and long term goals and special needs
• Loans, mortgage, credit card and other debt obligations
• Retirement goals
• Education goals
• Taxation
• Estate transfer
• Charitable bequests
• Insurance
• Areas of personal or business risk
• Business, succession planning

No individual is the same and we don’t believe your investment portfolio or the advice you receive should be the same either. We offer real, impartial advice based on your unique circumstances.

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