Our Services

 

“Most people don’t plan to fail; they fail to plan.”

To reach any goal in life, it is essential to have a plan. That is especially true when the goal involves the complex task of planning for one’s financial future.

The Capital Group will use time-tested principles to develop a well-managed investment portfolio to meet the financial goals for you, your family, and your business or organization.

Our services include:

• Investment Planning Analysis

  Everyone has financial goals, whether they include retirement, education for children or grandchildren, or simply the accumulation of wealth. We will assist you in developing an investment plan to help you meet your individual financial objectives – a plan that is based on your own personal time frame, risk tolerance and financial situation

  To develop an investment program that is most beneficial to you, we will look closely at your long-term goals, build a portfolio based on those goals, and develop a strategy that allows for changes in your personal finances and long-range plans.

  In helping you design your specific investment strategy, we will take a comprehensive approach. One that considers your overall financial circumstances, including any specific tax issues. An annual portfolio review will take place to ensure that the investment program remains suitable for your circumstances.

  We emphasize broad diversification and control risk by designing a portfolio with priority toward diversification between asset classes.

  Investors benefit from a diversified, carefully selected, professionally managed program. We will use the investment industry’s financial services to help you choose those investments that will best meet your personal goals.

  After tax results are closely examined in making our suggestions so that the investment portfolio of each client is tax-efficient.

• Retirement Planning Analysis

  It is never too early to start saving toward retirement. In fact, when it comes to long term planning, every five years you wait can double the amount of dollars you will need to save each month to achieve your retirement goals.

  The unfortunate fact is that many of us think of saving for retirement when we are approaching retirement. The earlier you begin your plan; the chances are greater that you will achieve your goals. Whether you are currently in or nearing your prime earning years, almost retired, or in retirement, a well-planned program can help you make the most of your assets. Proper planning for the dawn of your life will make your future brighter. Let us assist you with our Retirement Planning Analysis service. We will provide you with a detailed analysis, including projections, forecasting what amount of money you will need to live comfortably in retirement, and then how to reach those goals. Or, if you are already retired, what should you do to maintain your standard of living.

  Here are some of the questions we can answer for you:

  1. Am I taking full advantage of other saving opportunities?
  2. When can I afford to retire
  3. How should I take distributions from my retirement plan?
  4. How long will my money last?
  5. Should I adjust my level of retirement spending?
  6. Am I doing what is necessary to meet my retirement goals?

  Talk to us about a retirement planning program for you.

• Estate Planning Analysis

  We all try to build or create as much assets so that some day, we can slow down and “smell the roses”. Many who simply own homes and have moderate financial assets, face the possibility of losing a significant portion of their estates to federal estate taxes.

  By developing an Estate Plan, you can minimize the burden placed on your heirs. There are legal avenues that you may take to prevent the IRS from taking these dollars that you worked your whole life to earn and that, upon your death, rightfully belong to your children, not Uncle Sam.

  Judge Learned Hand once said, “In our system of government, citizens are required to pay taxes, but not more than they are legally obligated.” Without an estate plan, you will pay more than you are legally obligated.

  In the event of your death, you will have made a choice. If you have done nothing to protect your assets, the choice you will have made is that the IRS should share in all of your assets with your children. The question is simple. Who do you love more, your children and grandchildren-or the IRS?

  Put your resources to work for you today. We will help you get started by reviewing your current portfolio and we will work with you to develop a strategy that is right for you. We start by listening.

• Educational Planning Analysis

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