Establishing a detailed personal financial plan is an essential avocation that we encourage you to discuss with your advisor. Managing a lifetime of unpredictable financial challenges requires careful planning. The financial advisors at Coburn & Meredith will help you evaluate the issues affecting you financially such as portfolio management, retirement planning, higher education expenses, long-term budgeting, estate planning, and wealth preservation.
Your financial advisor will work with you as your situation evolves, ensuring that you remain on track.
We are available to help you implement a customized investment plan or manage an existing portfolio. We manage risk through the creation of an appropriately diversified portfolio and by using investment products that match your personal risk tolerance. We will conduct periodic reviews as part of our commitment to keep an open dialogue with you.
Whether retirement is near or far, we can offer ways to help you maximize your retirement savings. We will evaluate your existing retirement accounts—pensions, IRAs, SEPs, 401(k) plans, annuities—and provide advice to help you maximize income upon retirement. We will also help reposition investments held in these accounts, keeping your assets properly diversified. If retirement is approaching, we will determine the most effective strategies for converting these assets into reliable income.
No matter your age or net worth, you need an estate plan to protect yourself, your loved ones, and your assets. We will conduct a review of your current financial situation and devise a plan that will help ensure that your assets are distributed to your beneficiaries as you intended, in a tax- and cost-efficient manner. By starting now, we can help determine the most appropriate use of trusts, gifting programs, and other strategies to help protect your assets for future generations.
Meeting the costs of higher education is a concern for many of our clients. We will work with you to develop a realistic estimate of what those costs might be and then implement an investment program to help you meet those costs.
Insurance and Annuities
As part of our thorough planning process, we will determine if your current level of insurance is sufficient enough to provide adequate protection for your dependents. Our goal is to facilitate a higher level of confidence in our clients’ ability to mitigate and prepare for unforeseen life events. Annuities and insurance products are also an effective tool in estate planning, particularly as it relates to protecting assets for future generations.