The development of a comprehensive financial plan in conjunction with a structured approach to investment strategy is the key to achieving your goals. A financial plan provides a solid basis upon which you can build and maintain your financial security. Based on your specific long-term objectives, we help develop and then implement a personal financial plan that uniquely suits your needs. Our coordinated, fee-only financial planning process entails no product sales, commissions, or finders' fees. Because of this approach, all recommendations are developed without bias.
Our personal financial planning services include:
- Cash flow and budget planning
- Investment planning
- Education planning
- Tax planning
- Stock option planning
- Insurance planning
- Retirement planning
- Estate planning
- A second opinion on a current financial plan
The financial plan provides a general recommendation of the type of portfolio a client needs, based on the client's risk tolerance and return needs. The general recommendation is what is known as a portfolio allocation, which illustrates how investments should be allocated to specific segments of the market. Some examples of segments include Large Cap U.S. Growth stocks, Foreign stocks in developed markets, the U.S. bond market and so on.
In wealth management, we take the recommended allocation and use it to formulate an investment policy statement which sets the overall investment strategy. From this, we then formulate the client's specific investment recommendations. Specific considerations within the investment policy statement typically include:
- Risk tolerance, including the ability and willingness to take risk
- Return needs as outlined in your comprehensive plan
- Tax considerations, typically focused on maximizing after-tax returns
- Time horizon over which portfolio will fund needs
- Liquidity needs in the short-term
Once the investment policy is in place, we formulate specific account-by-account investment recommendations encompassing what should be purchased and what should be sold.
We handle portfolios from modest to substantial, and have developed a specialty in asset and wealth management. Clients who need sophisticated advice-from preserving assets to maximizing wealth transfers and establishing charitable legacies-will be pleased with the level of customized services available through MTR Financial Services, LLC.
Coordination of our services with those of your tax, legal, and other advisors is critical. The integration of all professional advisors as a team in managing personal wealth is important to achieving a successful financial future for our clients and their heirs.
CORPORATE AND GROUP SERVICES
- Financial seminars for military, church and civic groups
- Corporate employee financial education - seminars on 401(k)s, employee benefits, etc.
Contact us for a complimentary, no-obligation Get Acquainted Meeting. This can be done either over the phone or in person. We can discuss which of our services may be appropriate for you during this meeting.