Financial Planning
No matter your financial standing when you begin working with St. John & Associates, we are prepared to help you make smart and strategic decisions for your financial future. This is done through the building of a Personal Financial Plan. We understand life can be complicated and that one-size doesn’t fit all. Together, through the planning process we identify, prioritize, and explain your options every step of the way. We are right there with you as you build into your plan your financial goals, current resources, lifestyle preferences, investment assets, target annual investment rates of returns, assumed inflation, targeted dates of retirement, and even life expectancy. We provide a probability of the plan's successful outcome using Monte Carlo simulation. If the plan fails to provide a high probability level, the plan is reworked to meet the high plan probability.
Included in the initial plan is a review and recommendations of the elements making up the plan such as the costs for mortgage financing, college tuition, weddings, buying a vacation property, tax management, charitable giving, planning for aging parents, estate planning, managing health care costs, Medicare & Social Security, retirement plan provisions and even estate documents. We are here to provide peace-of-mind planning by ensuring our clients have the most reasonable assumptions and understand the pros and cons in making informed financial decisions and the review and monitoring of their Personal Financial Plan throughout their lives.
Much of what we do is essential to financial success and wealth management. We advise clients on a personal level by determining optimal risk profile, creating greater efficiency through tax and insurance reviews, and organizing financial affairs while keeping personal identifiable documents secure in our easily accessible online portal. Through our financial planning role, we also help clients on a personal and individual level to identify potential risks and behaviors to avoid or watch for.
Experience matters, and you can be sure that our team is equipped to set you up for success.
Investment Management
We believe that diversification is the best approach to limit your risk and achieve a measure of investment stability. Our model portfolios, each reflecting a different risk profile, may include a selection of domestic and international equities, domestic and international fixed income, commodities and real estate.
Financial Services
We understand the value of building a trusted relationship with a professional advisory firm that will become familiar with your individual needs now, and the potential risks or needs that may be ahead. Following the completion of your initial Personal Financial Plan, which includes a full initial review of all the financial matters, St. John & Associates team of advisors offers a full range of Financial Services as needed on an on-going basis. We can help clients navigate complicated situations to choose the best path forward in making informed financial decisions. In addition to the services covered under Financial Planning below is a list of additional services by our team of financial advisors:
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Mortgage Financing
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Estate Planning
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Insurance evaluation
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Advising on employment contracts
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Late-stage college funding
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Client 401k Plans and defined benefits plans
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Client stock options plans
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Divorce financial settlement reviews
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Philanthropy
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Partnership/shareholder agreements
We are also prepared to help with financial needs that are specific to you and reflect your goals. For example, we can help in setting up a special needs trust, a 529 plan, or provide Social Security or Medicare Assistance. Our comprehensive approach looks at the big picture and highlights all those areas that need the most support while continuing to manage every aspect of your financial portfolio. Whether your concerns are big or small, St. John & Associates will make sure you are covered with financial planning that makes sense for you. In addition to serving individuals, we work with employer-sponsored retirement plans, acting as a 3(28) or 3(31) fiduciary to the plan. No matter your financial needs, we are standing by to help you gain a better understanding and to work with you toward your goals. Contact us today to get started!
