What Does a Certified Financial Planner Do?

financial planning

It’s natural for your financial needs to change as you progress through life. In early adulthood, you may be concerned about buying a home and starting a family, while later in life you’ll have your eye on retirement and estate planning. To ensure you have the funds to accomplish the many goals you set, securing the assistance of a certified financial planner is highly recommended. In Macomb County, Michigan, Firma Financial Planning offers a wide range of financial planning services backed by their extensive experience.

These financial planners are equipped to help clients at each stage of their lives, no matter the number of assets they may possess. They’re also glad to pass on knowledge to clients to ensure they can play an active role in the financial planning process. The following are just a few of the many services they provide so that you can make an informed decision on your future.

Income Planning

Once you’re out of college and earning an income, you may be wondering how to advance to the next step. While it’s crucial that you have enough money to pay your bills and maintain your lifestyle, it’s imperative you think beyond the immediate so you can ensure your income is used wisely to accomplish your goals. A financial planner will assess your current level of income, the amount of debt you possess, your current savings, as well as any other considerations.

From there, they’ll help you plan your financial future. Their innovative asset map paints an easy-to-understand picture of how to reach your financial goals, as well as your current financial standing. Reliable income planning ensures you can enjoy a comfortable lifestyle while also saving for future financial needs.

Wealth Management

As your wealth grows, you want to rest assured that you’re investing wisely. You also want to make sure that the firm you’re working with isn’t only after a commission. Firma Financial Planning understands that many of their clients have these concerns, and as a result, they make certain that the brokers they work with are not solely focused on pushing specific product in pursuit of a higher commission.

That’s why their motto is “low cost, high liquidity”. They’ll strategize with you to find investment products that suit your specific needs. All recommendations will be made with this in mind, so you can rest assured that your best interests remain at the forefront of all wealth management services.

Retirement Planning

As you grow older, your concerns will shift towards retirement planning. How can you be certain you’ll have enough money to cover basic expenses after you stop working? If you have dreams of traveling the world after you retire, how can you achieve those dreams? How can you be sure that you’ll have assets to leave to your kids and grandkids? With trusted financial planners for retirement, you will receive answers to these pressing questions.

A financial advisor for retirement planning services will utilize many different types of services to help you meet retirement goals. Once you provide your objectives, they’ll help devise a strategy for meeting them. They can also assist you with long-term care planning. Even the best-made retirement plan will be undermined in the event you suffer from a significant health issue, and if your condition requires placement in a long-term care facility, making sure the proper funds are in place is a crucial concern. Estate planning must also be addressed as you grow older, and this entails working out a plan for taxes, as well as distributing your assets to loved ones after you’re gone.

To a Brighter Tomorrow

Firma Financial Planning is dedicated to assisting clients to meet and exceed their financial goals no matter where they are in life. If you’d like to arrange a consultation with a financial planner, feel free to call (586) 800-8119. You can also visit them online to get answers to your most pressing financial planning questions.

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