Our business is driven by our core values.
Our custom services help "serve" you.
Everyone has different financial goals, which requires mix of individualized services, tailered to help grow, protect and optimize your financial life.
Investment Management
The key to a successful investment management strategy is to incorporate your goals and objectives at every step of the process. That’s why we take time to get to know you, your goals, and your vision for the future before developing a custom investment portfolio to meet your needs.
In order to develop a tax-efficient, low-cost portfolio, we will consider all your accounts and sources of income. As an independent advisory firm, ETA Financial is not beholden to any investment managers, which allows virtually limitless freedom within the universe of investment options. We review and evaluate thousands of stocks, mutual funds, ETFs, and insurance products to develop an asset allocation that optimizes your ability to achieve your long-term goals. Your custom investment portfolio takes into account your current financial situation, retirement income needs, time horizon, risk tolerance and more.
Once your account is setup, we continuously monitor and adjust your portfolio as necessary, to help ensure it continues to help you along the path toward your desired financial destination. I understand that your financial life is constantly evolving, and I want to ensure your investments continue to meet your changing needs.
Retirement Income Planning
It’s normal to feel a bit anxious as you near retirement. You may begin to wonder:
- How much money will I need to live a comfortable retirement lifestyle?
- When should I begin collecting Social Security benefits?
- How can I minimize the taxes I owe?
- How can I ensure I won’t outlive my savings?
- Will my loved ones be okay?
Don’t worry. At ETA Financial, we have been helping people retire well for over two decades.
As we develop your customized retirement strategy, we take into consideration your current financial situation, retirement goals, Social Security benefits, marital status, life expectancy, time horizon, legacy goals and more. We will develop the best plan possible, to help you retire well.
Insurance Strategies
It’s not enough to simply grow your wealth; you must also protect it. One of the best ways to mitigate financial risk is through insurance.
Your strategy for risk mitigation begins by assessing your current exposure to risk, goals for the future, and potential challenges that may stand in your way. Using this information, any potential gaps in your current coverage will be identified. A suitable policy solution will then be offered that fits your needs and your budget.
Some common types of coverages we review and offer:
- Health
- Life
- Disability
- Long-term care
- Umbrella
Legacy Planning
If your goals include leaving a lasting financial legacy for the people and causes that matter most to you, it’s important to have an estate plan in place.
As we partner to plan your financial future, we'll work alongside your estate planning attorney to help ensure your estate planning documents align with your overall financial goals. Based on your personal financial situation and legacy goals, these documents may include any combination of the following:
- Last Will & Testament
- Living Will
- Advance Medical Directive
- Irrevocable Trust
- Revocable Living Trust
- Medical Power of Attorney
- Financial Power of Attorney
Tax Minimization Planning Strategies
The amount you pay in taxes can have a big impact on your ability to live the life you want. While some individuals don't consider taxation consequences, here at ETA Financial, we do. We understand that if you’re not minimizing your taxes, you’re not maximizing your financial opportunities. That’s why we incorporate tax savings strategies into every decision made on your behalf.
Our goal is to help you lower your tax liabilities, both during your working years and in retirement. In order to help you retire well, we may encourage you to implement a combination of any of these tax savings strategies:
- Tax Savings Diversification Across Taxable, Tax-Deferred & Tax-Free Accounts
- Tax-Efficient Withdrawal Strategies
- Tax-Loss Harvesting
- Asset Location
- Roth Conversions
- Tax Bracket Maximization
- Tax-Efficient Business Planning Strategies
5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster
Download your complimentary copy to learn how you can take your retirement strategy from flop to blockbuster with these simple strategies.