The Family Wealth Difference
Philosophy | Mission | Qualifications | Services
Comprehensive Wealth Management
Our Firm
We are a full-service financial services firm committed to helping people pursue their financial goals. We offer a wide range of financial products and services to individuals and business owners.
We believe prudent planning is the way to achieve financial success. We are dedicated to developing lasting relationships with all our clients. We believe in helping you assess your financial goals and participate in the management of your finances.
Family Wealth Goal Driven Services
While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel more confident in your decisions.
Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives.
We can help you execute a sound financial program utilizing the following products and services:
Financial Planner
A financial planner is a skilled investment professional who helps you meet your current and long-term financial goals.
The financial planner will meet with you & learn what your specific needs are to help you address them.
Some examples of how they can help you is when you are buying a home, or downsizing & earmarking money for retirement.
An important part of working with this professional is for them to analyze your risk by taking a risk assessment.
They will also identify what stage of life you in as there are different asset allocations.
Retirement Advisor
Similar to a financial advisor, a retirement advisor is a financial professional focuses on helping their clients prepare for the future.
You can work with a retirement advisor at any age, but the sooner you start, the better off you will be to enjoy compound interest.
It’s important to discuss what your goals are & show the retirement advisor your complete financials including debt, life insurance if you have any & real estate.
The retirement advisor takes into account your risk assessment & will construct a portfolio for you taking into account your current portfolio, future health obligations such as Medicare, potential Social Security funds coming in, any qualified investments you have have—such as 401k plans or pensions, as well as life insurance & long-term care to provide for you & your loved ones.
Social Security Advisor
There are 567 ways to collect Social Security. A Social Security Advisor can show you many ways on how to maximize your Social Security options.
The Financial professional can help you interpolate the Earnings Paid in report & come up with several strategies.
You can then discuss how much you would collect at different ages, if you are married if you can collect on a spouse or even an ex-spouse.
The Social Security Advisor will also show you how to communicate with the Social Security Administration effectively.
Wealth Advisor
A wealth advisor is a type of financial advisor who generally uses a holistic approach to management in helping you successfully manage portfolio & see it grow.
The wealth advisor will most often use the top down approach which approaches your goals from general to specific.
When formulating a plan, you can discuss the big picture & then break out the smaller pieces & how to incorporate them step by step effectively into the portfolio. This would include all aspects of your comprehensive financial portfolio including & not limited to investments, life insurance, real estate, Medicare or health insurance, Social Security, long-term care, etc.
Medicare Planner
A Medicare Planner is someone who is very familiar with the Medicare system.
They will be able to explain the 4 different types of Medicare & identify which is ideal for you.
They can assist you as to when to begin, for you & possibly your spouse. Potentially they will suggest if you keep working that you stay on your employer’s or spouse’s employer’s plan and submit creditable coverage.
The Medicare Planner is able to assist you to apply for Medicare with Social Security & then help you apply for the proper Parts of Medicare & enroll with the proper carrier.
Insurance Planner
The Insurance Planner is a professional who is able to identify if the current insurance you own is right for you.
The Insurance Planner may also be able to assist you in purchasing the correct insurance for you and your family.
There are many times when an insurance carrier will increase rates, add a rider, cancel coverage & make it very difficult for the lay person to understand.
When coming to an Insurance Planner, they will be able to break it down for you. This may include life insurance, long-term care insurance & annuities.
Annuities & other Insurance Products can be a slippery slope to understand & making sure your Insurance Planner has experience in these areas is essential.
Financial Professional
Financial Professional is usually a generic term for someone who is in the investment industry & can be an analysis, portfolio construction, a Financial Planner, Financial Advisor & more.
Financial Professionals work in the investment industry and can help you with investing, accounting & tax laws to provide financial services.
They can assist you in creating a tax efficient portfolio by being aware of current tax laws.
Estate Planner
An Estate Planner is someone who can help you with the process of arranging during a person’s lifetime the management & disposal of their estate.
There are many things to take into account when putting this together, whether it makes sense to create a trust and/or will, understanding estate taxes & more.
It’s essential to set up a meeting to discuss the client’s wishes so the estate planner can outline some options that may be appealing to them.
The Estate Planner will suggest utilizing life insurance, IRAs, itemizing gifts & property, learn who the beneficiaries are & much more.
Our Qualifications
Each of our representatives has extensive personal and professional experience.
Investment Advisor Representatives of Cambridge Investment Research Advisors, Inc. and Registered Representatives of Cambridge Investment Research, Inc. hold various professional certifications, designations, registrations, and licenses, including, but not limited to, CERTIFIED FINANCIAL PLANNER™ professional (W. Ryan Zenk), Certified Estate Planner, Registered Financial Consultant, life, health, and disability licenses, and Series 7, 6, 24, 63 and 65 registrations.
One of the benefits of working with us is our ability to provide clear, easily understood explanations of financial products and services. The personalized program that we can provide is a roadmap to working toward a more secure financial future.
We’re looking forward to using our knowledge to help you pursue your financial goals.
Featured Links
Listed below are links to web sites that may be of interest to you.
NetXInvestor Client Login – Access Your Pershing Brokerage or Managed Accounts
CIRStatements.com – Log In to view your investment account holdings & performance
Certified Financial Planner Board of Standards, Inc.
Centers for Medicare & Medicaid
Gerontological Society of America
National Organization of Life & Health Insurance Guaranty Associations
- Please note: The links being provided are strictly as a courtesy to our clients. When you link to any of the sites provided here, you are leaving our site. Our company makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving www.familywealthadvisors.com and assume total responsibility and risk for your use of the sites to which you are linking.