Stephanie Mills Brown, CFP®
My Mission Statement
My Story and Services
NMLS#: 1255740
PORTFOLIO PLANNING AND ASSET ALLOCATION
In order for a plan to be fully effective, I believe we must begin with a solid understanding of each clients' situation, goals, objectives, and risk tolerance.
I welcome the opportunity to show you how we can work together to create a financial plan designed around you, your goals and your aspirations.
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Your Investor Toolkit
To uphold this commitment, we have meticulously curated a array of resources that focus on fundamental investment strategies and concepts that are integral to our practice. These resources are readily accessible through provided links, and we highly encourage you to visit frequently to deepen your understanding of the topics that directly impact your overall financial well-being.
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