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A lot of what you need to do to financially until you retire is not rocket science. In one word, we call all this managing accumalation. But it is a lot and it can feel overwhelming

You must have income.  You must have a budget.  You must have an emergency fund.  You must generate surplus to invest (and be able to retire).  You must must manage risks against all that.  You must leverage your resources to stretch them --and more.  Along the way, you need to handle major purchases, pay for education to improve your skills or learn things that please you, stay healthy and sane, have quality of life.

If you have a family, children, or elderly parents, special needs situations, it gets more demanding, even complex. And there may be things you believe in that you want to support because you have a vision of yourself and you legacy and you want to pay it forward: your school, your church, the arts, research, philanthropy in general.  

Our job can include to help you get all this organized, set priorities, and show you ways it can be done, provide tools and solutions, help you check if you are on track, stress test.  We will take the time to know you well and put together the puzzle pieces based on the knowledge about you we will build together. How the pieces are assembled, which ones will be used, what investments they may hold, will depend on a lot of factors, specific to you.  And the specific strategies will most likely change as you approach retirement.  

In general, these pieces will include:

  • Financial Plans
  • Life Insurance
  • Disability Income Insurance
  • Long Term Care Insurance
  • College Plans
  • Health Insurance
  • Health Savings Accounts
  • Money Market and Brokerage Accounts
  • Managed Accounts
  • Deferred Annuities
  • Estate and Tax Planning Strategies

Registered Representatives of Equity Services, Inc. do not offer tax or legal advice.  For advice concerning your own situation, please consult with your appropriate professional advisor.