Financial Planning

Client-Centered Financial Plan

What does it mean when you have a financial or retirement plan?

It depends on who you ask! Typically insurance agents focus on selling clients fixed life and annuity products and “financial planners” typically focus on managing money in the stock market.

While we can help clients on the following secular topics

We prefer to help them create a broad-based comprehensive plan that can be monitored and adjusted over the years to meet their ever-changing circumstances and goals.
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Asset Protection planning

Asset Protection planning—helping clients protect “all” valuable assets from all known and unknown creditors. If you have a cell phone, a car, or valuable assets, you need an asset protection plan.

Estate planning papers

Estate planning

Estate planning—this includes basics like wills, trusts, and durable powers (legal and medical) implemented or it could be more advanced planning IDGTs, Freeze Partnerships, etc., or even charitable planning (CLTs, CRTs, family foundations, etc.).

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Tax Planning

Tax-planning—this includes helping people reduce their income, capital gains, and estate taxes.

Long term care helping hands

Long-Term Care Planning

Long-term care planning—one of the biggest expenses clients will have in retirement is LTC expenses. The options to help insure against this expense are fewer than they were even a few years ago, but there are still viable tools that are affordable for clients to protect against this seemingly inevitable expense.

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Money Management

Product agnostic—our approach is to use a multi-asset approach to growing wealth before retirement and sustaining needed income in retirement.

The key word in financial or retirement planning is the word “planning.”

  • Most people don’t want to be sold a product.
  • Most people don’t want to just get help with money in the stock market.
  • Most people do want a comprehensive plan that deals with multiple items over the next few years and into and through retirement.

While we can help clients on the following secular topics, we prefer to help them create a broad-based comprehensive plan that can be monitored and adjusted over the years to meet their ever-changing circumstances and goals.

FOUNDATION

Prepare wills and trust
Evaluate insurance needs
Review cash flow budge

SHORT TERM

Emergency fund
Liquid investments
Start building portfolio

MID TERM

Wealth accumulation
Pay college expenses
Start a business

LONG TERM

Retirement
Sell a business
Leave an estate

Let's Answer
Your Questions

To learn more about our management philosophy and whether it may fit in with what you are trying to accomplish with your investible dollars.
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Let's Answer
Your Questions

To learn more about our management philosophy and whether it may fit in with what you are trying to accomplish with your investible dollars.





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    Reach Your Goals Now

    Ready to learn more about POM Planning and why we may be a good fit to accomplish your financial and/or retirement planning goals?
    Give us a call
    269-449-4802
    Email us
    info@pomplaning.info
    Michigan
    We handle the US
    Serving the USA