It is important to get a complete review of all facets of your finances before giving advice on investments. You cannot evaluate your investments without considering them in the larger context of your life.  Once we've discussed your goals, we'll design an overall strategy specifically for you and your family. The Plan includes analysis and recommendations in the following areas:

• Investments
• Retirement Income Planning
• Life Insurance Needs
• College Funding
• Tax Reduction Strategies
• Estate Planning
• Retirement Plan Rollovers

In addition to the above, we also examine benefit plans, 401(k)s, wills, trusts and insurance policies that you already have to make sure you're adequately protected in those areas.

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We believe you can never start too early to plan for your retirement. The more time you have to save, the longer your money will be working for you. But whether you start saving in your 30's or 50's, the important thing is to come up with a plan that defines a realistic savings goal that you can work toward. Having a concrete dollar amount to save toward is not only an incentive to save but also gives you peace of mind, knowing that if you achieve your goal, then you're set for retirement.

How do we do this? As we do with investments, we view retirement planning within the larger context of your overall financial situation. Once we've discussed your goals, we develop an initial retirement plan, determining how much income you will need, given your living expenses, to retire comfortably. Using the base scenario, we run a "what if" analysis, varying different factors like rate of return on investments, date of retirement, rate of inflation, etc. to come up with a plan that has a high chance of success.

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Investing is a long-term proposition and we at Independent Financial Advisors feel the same way about relationships. That's why we'll do our best to maintain your trust—and to make your money work as hard as it can for you over the long haul.

We offer portfolio management services once the comprehensive plan has been completed. At our firm we take a value-oriented, long-term approach to investing. We develop an investment plan taking four factors into consideration: the client's objectives, time horizon, ability to tolerate risk, and financial situation. A broadly diversified portfolio of mutual funds and bonds serves as the centerpiece of a solid investment plan.

On an ongoing basis, the client receives a number of valuable services that enhance the overall performance of the portfolio and provide a deeper sense of security and comfort.   These services include continual monitoring of the portfolio and recommending necessary changes based, for instance, on sub-standard performance or departure of the fund manager. We'll provide you with quarterly consolidated performance reports which are much easier to read and to judge performance than most brokerage and mutual fund statements.

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