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. Our approach, technical experience, and comprehensive services are coordinated to your specific needs, and we strive to consistently monitor and proactively modify your wealth plan.

A comprehensive financial plan incorporates four cornerstones for financial success.

  1. Cash Management

    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, with a focus on maintaining adequate cash flow.

  2. Generational Wealth

    We put plans in place to help mitigate taxes and protect the assets you’ve worked hard to attain. Transferring properties, businesses and other assets can be complicated.  We offer experienced, qualified support, enabling you to navigate the complexities of succession and estate laws without suffering financial losses that can be avoided with proper care and attention.

  3. Investments and Financial Planning

    As part of our process, we’ll work to identify any gaps between where you are now and where you’ll need to be as you get closer to retirement, and we’ll set up plans to close those gaps. Using sound investment strategies, we organize your investments appropriately for long-term growth.  Once you’re ready for retirement, we’ll adjust your approach according to your circumstances at that time.

  4. Wealth Protection

    Protecting your assets ties in closely to protecting those you love the most, whether you’re considering a transfer of property or business, or you’ve experienced a loss due to death or accident. Losing a loved one or experiencing other devastating losses brings turmoil, no matter what the financial consequences are. Having financial protections in place minimizes the long-term financial and emotional effects when disasters occur. Planning for the unexpected is an essential component in a sound comprehensive financial plan.

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! 

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