The most important element in determining your investment plan is asking good questions. What are you hoping to save for: college, second home, retirement, heirs, or charity? When do you want to retire? What is your current income, insurance, and investments? How comfortable are you with fluctuation in your investments?

From questions such as these, we gain an understanding of the right investment strategies for you. This synthesis of all parts of both your finances and your life actually establishes your investment strategy. But the strategy doesn't end there. We will evaluate it periodically to match changes in your lifestyle or the financial services industry, so your plan continues to pursue your goals.

• Investment Analysis - By measuring your tolerance for risk and reviewing your current income and investments, we develop your personal investment policy statement.
• Income Tax Strategies - We'll work with you and your tax advisor to consider ways to help manage the effects of taxes. Our goal is to help more of your money work for you.
• Retirement Funding - Together we determine what you need to retire or begin the next stage of your life.
• Estate Analysis - Let us help preserve your wealth and transfer it to the next generation with reduced tax penalties.
• Charitable Giving - We desire to help people realize meaning and purpose in their lives through the impact and legacy that they leave.
• Education Funding - We'll help you to understand the many options involved in planning for college or a private-school education.
• Life and Disability Insurance - Insurance can help you manage risk and prepare for an uncertain future.
• Long-Term Care Insurance - We'll help you explore financial solutions for a potential long-term healthcare need.

Areas of Specialization

Wealth management - We establish a long-term relationship with you and learn about all aspects of your finances. This total wealth management approach allows us to understand your goals and recommend appropriate strategies.

Privately managed accounts - We develop a personalized investment portfolio for you using accounts that generally have monetary minimums.

Fee-based advisory services - This type of service is ideal for individuals that wish to have an individualized plan based on fees versus more traditional commission-based investments.

Beneficiary IRA planning - Through listening to your goals for your financial future and factoring in your current stage of life, we determine the best strategy to plan for you and your beneficiaries. Options for beneficiary planning include IRAs, 401(k)s, or 403(b) and fixed or variable annuities.

Annuities are investments primarily sold by insurance companies. Fixed annuities offer a steady income payment to you for a set time period or your lifetime.

Not sure where to invest your money? Unsure if your money has gained at the highest potential? Call Augustine Financial for a consultation today at 262.781.8000.