Have You Ever Wondered?
When we sit down to review your account, it gives us a great opportunity to learn about you. Upon meeting, many employees ask us questions about their personal financial lives that go beyond the scope of their retirement accounts.
Maybe you’ve thought about the following questions?
How much should I be saving?
Should I pay down my debt?
Should I be saving pretax or aftertax?
Am I invested appropriately?
Should I take a loan on my retirement account?
We have developed financial planning programs to help you address, not only these questions, but other key components of financial planning.
Did You Know?
Your retirement account is only one piece of your overall financial picture!
Your Financial Plan should also include:
Cash Flow
- How do I set up a budgeting plan?
- How do I prepare for retirement expenses?
- How can I prepare for health care costs in retirement?
Saving
- How much should I keep in a savings account?
- How do I prepare for a major purchase?
- How much should I be saving for my children’s education?
Debt
- Should I consolidate or refinance my student loans?
- How do I balance my debt with my savings and investment goals?
- What is the most effective way to pay off my debt?
Investing
- How should my investments be allocated?
- How do I align my investments with my savings goals?
- What should I do with my old retirement plans?
Protecting
- How do I make sure my family is financially provided for if I’m not here?
- How do I make the most of my employee benefits?
- If something were to happen to me, what will my life insurance cover and is it enough?
Taxes
- What is the best way to manage taxes on my investments?
- What types of investment accounts should I be using?
- How can I reduce my overall tax burden?
Our Planners Can Help You
Are you taking too much investment risk? This tool provides a general idea of how you’re money could be invested based on your level of comfort with risk.