|
Eastman Financial
Management is dedicated to helping each client work towards their
life's financial goals, build and protect their wealth,
and reach a higher level of personal fulfillment and prosperity.
Each financial plan and strategy is carefully developed
only after taking the time to understand and appreciate
the client's needs and concerns. All financial plans and strategies
are customized for each individual client.
Senior Financial Advisor, Joel E. Lorden, a CERTIFIED
FINANCIAL PLANNER (TM) professional, offers
a wide array of strategic and personalized financial planning
and wealth management strategies and services, including:
INVESTMENT PLANNING:
Develop an Investment
Policy Statement that articulates your investment goals, quantifies
the level of risk you're comfortable accepting, and establishes
the guidelines for investment selection, review and
reporting.
Discover your
optimal asset allocation based on the Nobel Prize winning Principles
of Modern Portfolio Theory. Your asset allocation will
be customized for your specific risk tolerance, time horizon,
and investment objectives.
Asset allocations
can be designed to provide the lowest risk for a required rate
of return, or provide the highest return for the level
of risk you're comfortable accepting.
Professional
investment management services and wrap programs. Avoid broker
sales commissions and mutual fund sales loads.
Management fees are based solely on portfolio size.
Access to top
institutional money managers and SMAs (separately managed accounts).
Fixed income
strategies designed for your specific needs, including bond
ladders, convertible bonds, mortgage-backed securities, zero
coupon bonds, as well as equity-linked securities and certificates
of deposit.
Tax advantaged
savings programs designed for college funding or your
other accumulation goals.
RETIREMENT PLANNING:
Retirement income
plans designed for your desired retirement lifestyle.
Help ensure you'll never run out of money, or have to lower
your standard of living, regardless of your longevity.
Probabilistic
modeling of retirement cash flows, adjusted for inflation and
taxation, using Monte Carlo simulation.
Capital preservation
and asset protection strategies for your retirement assets.
Pension maximization
strategies, 401(k) rollovers, and IRA distribution strategies
designed to provide you the highest, most secure income stream
possible as well as protect those assets for your beneficiaries.
ESTATE PLANNING:
Project your
gross, probate, and taxable estates under the current estate
tax laws, as well as estimate your estate tax liability and
expected settlement costs.
Design strategies
to minimize estate taxation and probate costs, maintain control
over the distribution of income and assets, "stretch" income
tax deferral of IRAs and qualified plan assets, and provide
post distribution, professional management of assets according
to your wishes.
Review estate
planning documents, beneficiary designations, and asset ownership
structure to help ensure the desired distribution of your estate.
Access to professional
trust services.
Lifetime gifting
programs and charitable planning using donor-advised funds,
charitable lead and remainder trusts, and private foundations.
RISK MANAGEMENT:
Evaluate the
risks to your family's financial security, including investment
risk, inflation risk, professional liability risk, the risk
of extended longevity and long-term care costs, as well as the
risks of premature death or disability.
Review existing
life, disability, LTC, and liability insurance policies to determine
whether existing coverage is adequate.
Manage the process
of obtaining competitive insurance policy illustrations and
quotes from the top providers, and evaluating those policies
on the basis of benefits and cost.
SMALL
BUSINESS OWNERS:
Get the highest
tax-deductible retirement plan contributions allowable while building
your retirement savings. We'll determine the best combination
of ERISA qualified and non-qualified plans to meet your retirement
accumulation and income goals.
Individual 401(k)
and 412(i) plans providing the highest tax-deductible contributions
are available for self-employed professionals and sole proprietors
with no common law employees.
Help ensure the
future of your business with business succession and continuation
planning utilizing Buy-Sell agreements and key person insurance.
Combine your
personal and business financial goals into a single, integrated,
strategic plan.
Business valuation
services offered through one of our strategic partners.
Our personalized financial plans combine your investment,
retirement, risk management, and estate planning into a single,
integrated, strategic plan. If you own a small business, your
financial plan can also coordinate your personal and business
goals.
Given today's economic challenges and uncertainties, your personal
financial plan can help you stay on track towards your goals,
and may be the best investment in your family's financial future.
***Securities offered through Multi-Financial Securities
Corp. (MFSC), member FINRA and SIPC. Joel E. Lorden
is a registered representative of MFSC. Eastman Financial
Management is an independent financial planning and wealth management
firm and is not affiliated with MFSC.
|