A: Yes. Our goal is to provide value-added services and assist our clients in achieving their financial objectives.

 

A: Those individuals who are seeking to establish an ongoing professional relationship for advice and assistance regarding their personal or small business financial planning.

 

A: A full range of financial services and products is offered by Quality Financial Concepts. They include insurance products, investments, retirement planning, estate planning, and tax planning and preparation. However, our solutions are only provided once we have determined the goals and needs of our clients through interviews, evaluations, and analysis.

 

A: It is an in-depth review of your specific financial situation, which takes into account your goals and objectives, focusing on retirement, asset management, risk management, income tax planning, educational planning, and estate planning. The plan analyzes and recommends methods that you can use to achieve your financial objectives. Our approach breaks the overall financial plan into two pieces, retirement planning and estate planning. Retirement planning covers the first two segments of adult life - ages 21 to retirement when assets are accumulated, and then retirement, when those accumulated assets are managed to provide income. Estate planning covers the last segment and that is the efficient and economical transfer of assets to heirs and other benefactors.

 

A: A successful retirement plan reflects the specific goals of the client and provides solutions that withstand life events, even those that are unexpected. Our plans provide guidance through the years of accumulation to set aside savings for the future while meeting current needs that often compete for retirement dollars, such as college costs for children, larger homes, higher taxes, prolonged illnesses, and even a premature death. During the management years, potential loss of income or new cash needs also must be evaluated and solutions appropriately considered for a retirement plan successful. We evaluate the probability that the assets being accumulated will last through retirement under various economic and financial conditions. 

 

A: An Investment Advisor is a fiduciary that has a duty of undivided loyalty to his investment advisory clients and must deal with them fairly and honestly. Any person or entity that holds itself out as a financial planner must be registered with the State or the SEC as a Registered Investment Advisor.

 

A: Advice is provided on variable life insurance, mutual funds, variable annuities, stocks and other equities, corporate bonds, commercial paper, bank deposits, municipal securities, real estate investments, and limited partnerships.

 

A: Yes. The law requires that all client information be kept confidential. Please review our Privacy Policy for additional details.

 

A: Yes. We extend our tax planning and preparation services to clients using any of our other services. Our clients have found it beneficial to have our firm prepare the annual taxes since we have familiarity with their investments, insurance plans, and estate plans. This allows all four of these areas to work together rather than independent of or in conflict with one another.

 

A: No. We do, however, refer our clients to qualified attorneys for the area they need, and if appropriate, work closely with the client and the attorney to assist in coordinating any potential impact to the client’s financial assets, goals, and objectives.