The tough reality

Retirement is in your hands. Over the last few decades, a person’s ability to retire has become their personal responsibility, resulting in a greater need for help with financial planning.

How do you know when it’s time to talk to a financial advisor?

Some people start working with an advisor at a young age to determine how much to save, review their insurance needs and have conversations about reducing debt. It’s not always easy to start a relationship with a financial advisor unless you have sizable investments for them to manage. We feel that puts a large part of the population who are approaching retirement at a big disadvantage.

Many farm families and business owners have land or a business as their largest asset but don’t have plans for succession (tax planning, estate planning, etc.). We feel these segments of the population are being neglected. Do you have any of the following questions:

  • Should I save more? Or pay down debt?
  • Am I saving enough in the right places?
  • Are my investments appropriate?
  • Am I making smart choices for my tax situation now and in the future?
  • Is my family protected if something happens to me?

The Hensen Webb Group works with you in a collaborative process to start these important planning conversations. Contact us today to find out how a financial plan can help maximize your ability to reach your goals.

How our financial planning process works:

  • Understanding a person’s personal financial circumstance
  • Identifying and selecting goals
  • Analyzing the current course of action and potential alternative courses of action
  • Developing financial planning recommendations
  • Presenting financial planning recommendations
  • Implementing financial planning recommendations
  • Review progress and update

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