Hitting both record highs and record lows, it’s no secret the markets have been a bit chaotic lately. Nonetheless, whether the markets become steady or increasingly erratic, it’s imperative we remember two key facts. First, markets can shift quickly. Therefore, it’s essential to have safeguards in place that help protect your savings from inevitable future downturns as they come. And second, reviewing your strategy as you near retirement is absolutely necessary in order to ensure your financial plan is in line with your retirement goals.
If you or someone you know has not recently followed through on these two indispensable steps, a financial review may very well be the difference between sweet success and great disappointment. Are you all set? Does anyone come to mind that may be in need of reviewing and securing these or other vital aspects of their financial future? Friends don’t let friends wind up unprepared in their golden years.
A Check-Up For Your Finances
Just as you set an annual physical exam with your doctor in order to make sure your health is at its best, the same principle is true to be sure your finances are in optimal shape. And, just like your doctor, we are able to best serve you when we routinely gather all the necessary information and follow up as needed. We use our unique HBA Wealth Cycle, a process that delivers active financial planning and investment management throughout your life, to create your financial plan.
At 1on1financial, we periodically follow up to answer any questions you may have and review your plan as time goes on. We take the time to catch up and discuss your unique needs and desires every time we meet in order to be sure there aren’t any changes that are going unacknowledged. We have seen time and time again that as we continue to establish a relationship and remain clear on your values, your decisions become much easier.
The Benefits Of A Financial Check-Up
There are a number of changes that can take place as life progresses. Therefore, periodically reassessing your goals and plans is vital. In the beginning, we make sure to come to a complete understanding of your goals and financial situation at that time. Moving forward, check-ups allow us to work together with you to evaluate and adjust where needed in order to make sure life’s changes don’t go unaddressed and consequently throw us off track. If everything seems to continue to be well suited to your long-term goals, despite fluctuations in the market and personal life changes, we’ll gladly affirm that your plan is adequate as is and our review will be complete.
If, on the other hand, we discover gaps in your plan and it no longer aligns with your financial goals, then we will use this time together to fill in those gaps and discuss any unprotected risks in order to secure and fortify your financial future.
As we always say, “You don't have to be an expert, you just have to know who to ask.” With each review, it is our goal to give you unbiased answers and simple explanations without all the complicated jargon. We want you to leave our office feeling not only confident in your plan but also well informed in the decisions you have made.
It never hurts to have a professional take a second look at your financial plan, even if simply to confirm that it is fully protected, still applicable to all aspects of your life, and designed to work toward your long-term dreams. Whether our appointment is in-depth and complex or short and sweet, we hope you will leave having full trust and confidence in us, in your decisions, and in your financial future.
Do You Know Someone Who Needs This?
It is our honor to be able to say that many of our clients are referrals from other clients. There is no higher compliment than when you let others know about your exceptional experiences with 1on1financial, entrusting the people that matter most to you into our service. Over the years, we’ve built tried-and-true long-term relationships with our clients, who not only trust us with their money but with their family and friends as well.
We at 1on1financial go above and beyond your bank account. We don’t just talk about your goals and suggest investments; we aim to fully understand your “why” behind it. We work together with you to uncover your true motivations. In doing this, we create a financial plan that will be easy to stick to, making the process of moving you closer to your long-term dreams as effortless as possible. We have the expertise to manage your money effectively and the passion to help you accomplish your dreams.
If you know someone who would benefit from a financial review, don’t hesitate to tell them about us and the valuable services we provide. We look forward to the opportunity to serve them with professionalism and care, helping them evaluate where they are now, determine where they would truly like to be in the future, and address any gaps that may be present. And, of course, feel free to book an appointment for yourself as well if you think you may be due for a check-up. Call our office today at 909-981-1720 or simply click here to schedule a free 15-minute introductory phone call!
Philip A. Board MSFS, CFS, is a retirement planning specialist and the founder of 1on1financial, an independent comprehensive investment firm serving individuals and businesses throughout the United States. He is also the owner and CEO of Medi-cal Benefits.