We provide comprehensive financial planning, financial and investment management services, addressing specific needs in a range of categories. We identify what clients need and when they need it. We make sure clients have a clear understanding of specific risks and opportunities so that they always feel confident and prepared when making financial decisions.
FINANCIAL PLANNING
With over 30 years of experience, St. John & Associates is prepared to assist with all your financial planning needs. Always in the best interest of our clients.
FINANCIAL SERVICES
Get ahead and prepare for any eventuality with thoughtful and experienced advisors that are dedicated to acting in your best interest. Find a path that fits your goals and positions you for a future full of success.
INVESTMENT MANAGEMENT
Diversify your portfolio and balance risk with reward to meet your investment goals. Partner with our knowledgeable and professional team of advisors.
We work only for the client and do not receive any form of compensation from any 3rd party. Asset management is only one part of financial planning. Much of the value we provide comes from knowing the personal needs and goals of a client and working with them to develop manageable strategies for growth and maintenance. As comprehensive planners, our team can assist with managing capital gains, mitigating tax liabilities, creating estate plans to protect your legacy, advising on retirement expectations, walking through Social Security filing strategies, and more.
Learn more about specific services:
- Preparing and Updating Personal Financial Plans
- Retirement Planning
- Goals & Assumptions
- Sources of Income
- Expenses and Budgets
- Debt Management
- Cash Flow Management
- Emergency Funding
- Integration with Portfolio Management
- Measuring Outcomes
- Social Security Planning
- Portfolio Rebalancing
- Stated Investment Policies
- Portfolio Design
- Asset Allocation
- Security Selection
- Review of Current Holdings
- Building Portfolios
- Contributions & Withdrawal Strategies
- Purchasing thru Dollar Cost Averaging
- Managing 401(k), 529, IRA, Trust & Taxable Accounts
- Required Minimum Distributions (RMD)
- Immediate Cash Needs
- Trading & Rebalancing
- Performance Reporting
- Integration with Financial Plan
- Review of Existing Policies
- Medical Insurance
- Medicare Planning
- Disability Insurance
- Life Insurance
- Annuities & Cash Value Life Insurance
- Property & Casualty Insurance
- Long Term Care Insurance
- Group Insurance
- Umbrella Liability Insurance
- Health Saving & Flexible Spending Accounts
- Mortgage Review
- Review of Prior Year’s Tax Returns
- Status of Realized Gains
- Status of Carry Forward Losses
- Tax Loss Harvesting
- Review of Cost Basis of Securities
- Deductions, Exemptions & Credits
- Recommending Tax Withholdings
- Opportunity for ROTH Investing/Conversions
- Tax Effective Gifting
- Gifting
- Educational Planning/Funding
- 529 College Saving Plans
- Uniform Gift to Minors (UGMA)
- Caring for Parents & Special Needs
- Charitable Giving
- Wills
- Financial Powers of Attorney
- Healthcare Directives
- Trusts
- Roles for Executors, Agents and Trustees
- Guardianship for Minor Children
- Selecting an Estate Attorney
- Implementation of changes
