Allow specialists from different fields to collaborate on your plan ​


Having necessary planning elements in place is no longer the approach of only the reactionary.  Rather, American households are becoming more sophisticated in their planning strategies before a life changing event occurs.  

​​Unfortunately, the way people plan today, in many cases, is inefficient.  First, people typically think of a product that they “may” need.  This may come from an article they read, from water cooler talk at the office or even from friend or family suggestions.  ​​

Commonly, after researching the subject online, Americans either never decide on a solution or they find an industry professionally and buy something in the hopes that it will solve a planning problem in its entirety.  Unfortunately, rarely does a single purchased product work to its fullest capabilities unless it is accompanied by another product from a different industry.  ​​

Americans hire attorneys to ensure legal documents are in place and accurate.  They consult with accountants to help take advantage of current tax codes and maximize income deductions.  They buy insurance policies to insulate assets from lawsuit and other risks.  Finally, people seek out financial professionals to grow their investments and retirement portfolios.   ​​

While all of these professionals may be experts in their prospective fields, they may not understand how the other fields can impact the solutions that they offer.   ​​

Each of these fields rely on the others to maximize their effectiveness.  Unfortunately, the experts in these fields rarely communicate directly regarding the mutual client.  This leaves the bulk of plan coordinating up to the individual.   This strategy is inefficient and often leaves gaps in planning because the average American is rarely an expert in any of these fields and is never proficient in all four. ​​

This failed approach decreases the probability for success in the end goal and can leave families, beneficiaries and estates in a compromised position.  ​​

Working with a team that coordinates their efforts across the previously mentioned fields will create better solutions for you, your family, and your business’s future. ​ ​

Experience tells us that a qualified Financial Security Consultant (FSC) with the right team behind them is the best to quarterback your plan.  They should have expertise at asset protection (property, casualty, and business insurance), asset preservation (life, disability and long-term care insurance), and financial services (investments, retirement planning, education funding and annuities).  These professionals will be able to collect your personal data, utilize their internal planning services team and provide insight to potentially needed legal vehicles and accounting services.  

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