Financial Planning

A Plan Focused on YOU

While “Financial Planning” may be a common term in our industry, those who use it freely can often use it incorrectly. Insurance agents, investment managers, even stockbrokers – many call themselves financial planners, wealth planners, or wealth advisors. But do they do what we do?

Financial planning at Clover Leaf Financial is holistic and ongoing. As your partner and advocate, we examine your situation thoroughly and from all angles. We want you to be able to set your own goals, our job is to help you work towards getting there. In our experience, that’s the best way to customize a comprehensive, diversified portfolio that is flexible enough to meet your needs now and in the years to come. No matter what stage of life you’re in, we can help you pursue independence, freedom and the things that matter most to you. Your journey begins now. Let us help get you on your way. 

A comprehensive financial plan incorporates four cornerstones for financial success.

  1. A Complete Net Worth Picture
    We look at your overall financial picture to see where you are starting. We assess your cash reserve levels and develop strategies for building them up to appropriate levels, if necessary. We take into consideration potential emergencies, your income and expenses and outstanding debt. Knowing where you stand today makes it much easier when deciding for tomorrow. 
  2. Retirement & Longevity Planning
    We understand that there should be no compromise when it comes to your financial future. That’s why we work diligently to serve as the specialist for your wealth, simplifying life’s complexities with a full spectrum of strategies for a tailored plan that we believe is the only one you’ll need. Our disciplined planning process aims to account for your short- and long-term goals, your tolerance for risk and your stage of life, while also keeping a watchful eye on today’s complex domestic and global markets. 
  3. Tax Planning & Analysis 
    Tax planning is integral to maximizing and managing your wealth. And key to wealth management is having a financial plan that not only takes into consideration ways to reduce tax outlays in the long term, but how much you need to pay now and in the future. When you work with an accountant to prepare your taxes, or if you file your tax return yourself, you look at the past year and how your finances were impacted. But what if you could potentially know what your taxes are going to be at the start of each year?
  4. Portfolio Management
    As your advisor, we are not putting forth just any investment strategy, but the strategy that is designed to best fit your life. Meeting your requirements for growth, income or capital preservation – while being mindful of your attitude toward risk – is our goal. You expect and deserve a portfolio that is individually customized to reflect the future as you envision it.

We get to know your needs and work towards customized decisions based on research and relationships, not generic predictions or general knowledge. Just tell us where you want to go – if you’re not sure, we’ll help you figure it out – and we’ll strive to get you there.

The first step is for you to gain a better understanding of your own financial situation and we want to help!

Download our complimentary financial planning worksheet using the button below to get started!

Comprehensive Financial Planning as we offer it includes

  • Estate Planning Management
  • Retirement Planning
  • Cash Flow Management
  • Tax Mitigation Strategies
  • Education Planning
  • Asset Preservation
  • Major Purchase Planning
  • Investment Management
  • Charitable Contribution Planning
  • Debt Management Strategies
  • Wealth Plan Monitoring
  • Overall Financial Planning

This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

The first step in developing your financial plan is to meet with an advisor. Contact us to set up a no obligation complimentary consultation.

Ask your questions using the fields below and one of our investment professionals will be in touch. 

Have questions about Sustainable Investing? 

Thank you!