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Financial Planning

Making Informed Decisions for the Journey Ahead

Financial planning is a dynamic process that empowers individuals to align their finances with their long-term goals, while navigating the obstacles that inevitably arise at every stage of life. A well-crafted financial plan will help you address commonly voiced concerns such as:

  • Are my future financial goals realistic?
  • Is my family or partner protected if something were to happen to me?
  • How will my current spending effect my savings down the road?

Working with a planner begins with establishing your personal financial goals. From there, your financial planner will guide you through the information gathering phase, which allows them to analyze your current financial standing. This allows them to develop an action plan based on your priorities. Once that action plan has been implemented, it will be closely monitored to ensure that you are on the right path towards accomplishing your goals.

<strong>It's Time to Get Started</strong>

It's Time to Get Started

It’s never too late—or early—to get your personal finances under control. Jeff Zemito and the Lakeview Wealth Management team will listen to your concerns and help you get on right track today.

Through our comprehensive financial planning process, we will identify your goals and help you devise a customized strategy based on what's important to you and your family.

Based on your needs we will work with you to:

  • Review your current financial status
  • Ensure adequate and sustainable protection
  • Advise on wealth accumulation strategies
  • Prepare for your retirement
  • Assist in minimizing tax consequences
  • Assess appropriate estate planning strategies

Six Key Areas of Financial Planning

1. Financial Position

  • Track current income & expenses through a budget
  • Manage your debt and credit report
  • Calculate your current net worth

2. Adequate Protection

  • Provide income for survivors in the case of premature death
  • Safeguard your income in the event of a disability
  • Protect your ability to meet your retirement goals
  • Protect your assets in the event of a long-term care need
  • Secure your assets with home, auto & liability insurance

3. Wealth Accumulation Strategies

  • Ensure you have a sufficient amount of cash on hand
  • Create and maintain adequate, bank-based cash reserves
  • Strategize for significant purchases
  • Review your risk tolerance and investment portfolio
  • Plan and save for education expenses

4. Retirement Planning

  • Ensure adequate retirement income
  • Maximize government benefits
  • Leverage employee benefit plans and pensions
  • Secure guaranteed* sources of income
  • Strengthen personal savings & investments
  • Project impact of early retirment and various distribution rates

5. Tax Reduction Strategies**

  • Minimize federal & state income taxes
  • Plan against future income tax liabilities
  • Develop long term tax reduction strategies
  • Required Minimum Distribution planning

6. Estate Planning**

  • Determine exposures to estate & inheritance taxes
  • Outline appropriate estate planning vehicles:
    • Last Will and Testament - executors, guardian(s) and assets without beneficiaries
    • Health Care Power of Attorney
    • Living Will
    • Durable/Financial Power of Attorney
    • Optional Blood Line/Dynasty Trust

*All Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.

**Neither SagePoint Financial, Inc., nor its representatives or employees, provide legal or tax advice. If legal or tax advice or other expert assistance is required, the service of a currently practicing professional should be sought.