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Financial Services

We have found, too often, the answer to the question of whether an individual has a retirement plan is “Yes, I regularly contribute to my 401K plan.” We believe there is a real problem with that answer.

The problem comes from the difference between the words attention and intention. While some believe that contributing to a 401K is paying attention to one’s retirement needs, the activity falls short of answering the most fundamental question about retirement planning:“Will I have enough to retire on?” Having enough has everything to do with being intentional by projecting how much it will take to retire and determining how much one has to save in order to reach that goal.

The same can be said for college planning. Too few people have done their homework (pun intended) to determine what it will take to put “Junior” through college. Meanwhile, they put two hundred dollars into a college fund every time “Junior” has a birthday. Again, the focus is on attention or activity and not intention or planning.

+Michael Johnson, Advisory Representative Securities offered through H.D. Vest Investment ServicesSM Member: SIPC Advisory Services offered through H.D. Vest Advisory ServicesSM *Mary Paulson, Registered Representative Securities offered through H.D. Vest Investment ServicesSM Member: SIPC ClearPath Advisors and Money Matters MN, Inc are not registered broker/dealers or independent investment advisory firms. Investments are subject to market risks including the potential loss of principal investment.

75%

of Americans nearing retirement have less than $30,000 in their retirement accounts.Almost half of middle-class workers, 49 percent, will be poor or near poor in retirement. Are you just another statistic or will you do what it takes to beat the statistics?

Source the July 21, 2012 New York Times.

Features

Answers to Complicated Questions

Our team faces two common questions: “Will I have enough?” and “Do I have any financial blind spots?” We will do our best to make sure you have confidence in your financial future.

Retirement Questions

While our projection will be based on your vision and expectations, we will also factor in the effect of inflation and taxes. This will help in determining the size of your retirement needs and ensure that your contributions lead you to your target.

College Planning

We have access to current college tuition and room & board information at schools across the country. Based on this information and the projected rate of inflation for higher education, we can help you determine what it will take to send your child to the school of their choice. With this, we can provide a custom savings plan that will help enable you to accumulate enough to send “Junior” to college.

Benefits of Financial Services

Control

Be intentional by having an actual plan in place and using it to reach your financial goal.

Focus

Instead of a winsome approach to your financial services, focus on a target that will allow you to use your money wisely. This way, you’ll save only what is necessary and gain peace of mind by knowing you are doing the right thing.

Financial Services

We provide one investment review session per year at no charge.

$200 per hour for Hourly Financial Services 

$500 flat fee for Retirement Planning 

$500 flat fee for College Planning

+Michael Johnson, Advisory Representative Securities offered through H.D. Vest Investment ServicesSM Member: SIPC Advisory Services offered through H.D. Vest Advisory ServicesSM *Mary Paulson, Registered Representative Securities offered through H.D. Vest Investment ServicesSM Member: SIPC ClearPath Advisors and Money Matters MN, Inc are not registered broker/dealers or independent investment advisory firms. Investments are subject to market risks including the potential loss of principal investment.