Services

Financial PLANNING

Financial planning is a crucial part of understanding your retirement and/or any other goals you might have.

We ask you to complete a questionnaire that helps to establish your risk profile and identify other information that should be considered in our review. We collect information about your income and expenses, current investment portfolio, taxes, and other assets and liabilities. We use this information to develop a comprehensive report which is designed to analyze your financial position as it is expected to evolve over time.


After our analysis is complete, we will produce a report that shows the results of our review and offers specific, actionable recommendations to help address your needs and meet your goals. We consider this your financial roadmap, to guide you from any stage of life through retirement.

Estate PLANNING

An estate plan isn’t just for the wealthy or elderly — it’s an essential part of financial wellness for people of all ages.

Whether you're just starting out, raising a family, or planning your legacy, having the right documents in place can protect your loved ones and your assets. Estate planning becomes especially critical if you have children or own a home. A proper estate plan protects your most precious assets, like a home, from probate. Also, if you have minor children - and do not have a proper estate plan in place - it may be up to your state to decide who gets custody of those kids. Solid estate planning protects you, and your loved ones.


While we are not attorneys, our firm can facilitate and coordinate the creation of comprehensive estate plans, including trusts, wills, powers of attorney, health care directives, and deed transfers. We work closely with trusted legal partners to ensure your plan is properly structured and executed, giving you peace of mind and control over your future.


Take our quiz today to find out if you would benefit from a Will or a Trust, and then reach out to our team to set up a time to create your own estate plan!


OUR PROCESS

Step 1: Contact Us

Contact us via any online form or by calling us, and we will answer all of your Financial planning questions.

Step 2: Phone Consult

During a brief phone call, we will discuss your financial needs and how best to create a plan that works for you.

Step 3: Office Visit

We can meet in person or via a video conference call. We will have you fill out our client forms ahead of time.

Step 4: Create Plan

We will be with you the whole step of the way to ensure your financial needs are met as your life changes.

  • Financial Planning

    Financial planning can help you:                                                              

    • Determine the purposes for which you need to invest and save.
    • Decide how much you need to invest and save.
    • Determine your needs for growth and income.
    • Analyze cash flow and income generated by your investments.
    • Control the level of risk you take to achieve your goals.  
    • Assess if your goals are realistic.
  • Retirement Planning

    Every successful retirement starts with the right partner and plan to achieve your goals. 


    Your goals are unique, and that's how we advise you. But why would you choose to work with us? 


    Here are six reasons to consider:


    1. We're Fiduciaries

    We are legally obligated to only give you advice that’s in your best interests. Even if you don’t work with us, make sure you work with a full-time fiduciary.  


    2. Fee-Based

    Being fee-based means our economic interests are aligned with yours. If you are successful, we are successful. It also means you aren’t tied up for years in complicated products, and you are not obligated to stay with us.


    3. Retirement Focused

    We help people retire well. While we have many clients that are not yet near retirement, and many others who could retire at any time but choose not to, we focus on helping you prepare for life after you’ve stopped working full-time. 


    4. Our Advisors are not Salespeople

    We have a team approach to advising, which means our advisors not only don’t compete, they actually work together to help you thrive. 


    5. We Give Honest, Direct Advice

    We believe that plain-spoken, direct advice will better help you reach your goals.  


    6. Education Driven

    We offer free education on important topics to help you make informed decisions. Read our articles, watch our videos, and come to our live events. There’s no obligation. If you like what you see, you can contact us at any time.


    Your concerns are our concerns, and we will only give you advice that will help you reach your investment and retirement goals. 

  • College Planning

    We work together to discuss the right types of accounts for you and your family. We will consider all the options, and discuss the importance of financial aid in making your decisions. Together we can find a plan that works best for you and your growing family! 

  • Estate Planning

    Every comprehensive financial plan MUST include Estate Planning. Often times people spend all their time and efforts on planning for retirement and don’t even consider what happens to those assets after they die. 


    No one likes to have those difficult conversions, but they are arguably some of the most important conversations to have. We are here to assist you, not only to build those Estate plans, but also facilitate those conversations with your loved ones. It is so important for them to know what to do, and how to do it if something happens to you. 

  • Tax Planning

    Look, we get it, no one likes to pay more in taxes than they have to.  Many clients are pleasantly surprised to find out that there are tips and tricks that can be used to save you more money when it comes to taxes. 


    As part of our overall financial plan, we will analyze your tax situation and offer any suggestions to cut your taxes and save you more money! 

INVESTMENTS

Don’t put all your eggs in one basket.

Because no two investors are alike, Pacific Financial Strategies, Inc. offers clients a range of model portfolios that we construct using asset allocation from Conservative to Aggressive strategies. Diversification reduces the risk of uncertainty and weightings in numerous asset classes determines results in

the portfolio. 

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INSURANCE

The key to health and longevity.

We will review your existing lines of coverage and develop recommendations after completing a personalized needs assessment. We then provide specific insurance solutions in the areas of Life Insurance, Disability income insurance and Long-term care insurance.


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  • Life Insurance

    Life insurance may be one of the largest assets within an estate – whether owned by an individual or business, or whether it’s part of an overall estate plan. Even so, it is an asset that is generally not evaluated, reviewed or appraised on a consistent and comprehensive basis. We believe that some life insurance policies can be improved upon once a thorough and detailed analysis has taken place. The following changes have occurred in the life insurance marketplace in recent years that require ongoing monitoring and maintenance of existing policies:

    • There have been changes in the way life insurance is designed, priced, and medically underwritten.
    • Life expectancies have grown, and thus internal insurance costs have come down.
    • More favorable medical underwriting classes are now offered by some carriers.
    • Some medical histories are rated at better risks due to the improvement in medicine and longevity.
    • Interest rates and dividend crediting rates may not be performing as originally illustrated.
  • Disability Income Insurance

    Disability insurance is a type of coverage that replaces a portion of your monthly income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your most valuable asset — your ability to earn a paycheck.


    PROTECT YOUR BIGGEST ASSET: YOUR INCOME.

    Get a personalized disability insurance policy designed to help protect your income if the unexpected happens.

  • Long-term Care Insurance

    A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer's disease. Most policies will reimburse you for care given in a variety of places, such as: Your home. A nursing home. An assisted living facility.


    Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits are quite limited.


    Request a free, no-obligation cost comparison today. Costs for long term care insurance can vary significantly from one long term insurance company to another. 

Giving

The best gifts are planned.

We can design a plan to help you support the charity or cause of your choice.

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Let's talk!

We offer a proactive approach to your financial objectives and long-term goals. Schedule your free consultation today and make your retirement dreams come true!

meet your

financial goals