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Personal Planning

Personal Planning

Protecting what you value takes time, persistence and creativity.  Net Financial Consultants understands the demands on your time, and has the resources to help you navigate through our planning process to create a financial road map tailored to guide you toward achieving your goals.  Our team will be with you every step of the way, enabling you to confidently make informed decisions to ensure you are growing, protecting and leveraging your existing resources. 

Ask yourself these important questions:

1. Am I financially organized?  Do I hope to start a family, buy a home, change careers, open a business?  Am I financially balanced to do these things?
2. Do I have a disciplined systematic process to follow regarding saving money? 
3. Am I properly diversified and rebalancing my portfolio as economic conditions, tax laws and my personal situation changes?
4. Are all of my assets coordinated as one overall investment strategy or is each account looked at individually?
5. Do I save money only in retirement accounts, or do I utilize other types of accounts?  
6. If I were unable to earn an income, even for a few years, how would my family maintain our lifestyle?
7. Do I have the proper amount and type of life insurance?  Will my insurance grow with my changing needs over time?
8. Have I had a professional analysis of my employer provided benefit package?  
9. How much income do I need in retirement to be happy?  Do I plan to just live off the interest of my portfolio in retirement?  Am I positioning my assets so that I optimize my income and know I won't run out of money?
10. When considering taxes, do I plan for what's best in the current calendar year or am I considering a tax strategy that would be most effective over my lifetime?  Will I be subject to even higher taxes in the future?                                                                                                      11.In preparing for retirement income, what am I doing to insulate my assets from market fluctuations, inflation, taxes and health changes?
12. Should I be planning for estate taxes?  Have I considered establishing trusts or other legal documents?

Let us help you protect your family by reviewing or establishing your:

  • Institutional Asset Management
  • ROTH IRA, Traditional IRA, Rollovers
  • UTMA, 529 Plans, Brokerage Accounts
  • Securities Backed Lending
  • Tax Loss Harvesting
  • Disability Income Insurance
  • Life Insurance
  • Group Benefits Analysis
  • Policy Audit Surveys
  • Student Loan Analysis
  • Long Term Care Insurance
  • Custom Interactive Financial Website
  • Estate Planning
  • Charitable Planning Concepts
  • Cash Flow Management

Building relationships with clients is what drives us.  We utilize a broad spectrum of risk and investment products to help our clients achieve financial goals for themselves, their families and their business.