Financial Planning

You may know where you want to end up but, with so many choices, how do you know if you've taken the right road? A Center for Wealth Management Financial Planner can serve as your guide, help you analyze your individual situation and recommend ways to help you achieve your goals. 
It is our philosophy that most individuals need assistance in managing their financial affairs in a knowledgeable, effective manner. Successful individuals routinely have an accountant, attorney, stockbroker, life insurance agent, and other advisors whose counsel, though well founded, may not necessarily coordinate into a sound financial plan.   Additionally, as the tax code changes and grows more complex each year and the number of investment choices proliferate, more and more people are discovering that traditional saving methods are no longer adequate. With economic uncertainty, innovative solutions are needed to address important financial objectives such as funding a child's college education and preparing for retirement.  Fortunately, many clients have recognized the need for comprehensive financial planning coordinated and implemented by a qualified financial planner.  

 
The Six Areas of Financial Planning
 

One of the purposes of a financial plan is to identify those financial areas that could be improved, thereby maximizing financial resources to effectively achieve financial goals.  A comprehensive financial plan covers all six areas. The Center for Wealth Management, An Office of MetLife, has developed a fully integrated approach to the planning process that culminates in the creation of a customized financial plan. 
 
Financial Position:
Do you have enough money to cover your necessary expenses? Working with a Center for Wealth Management Financial Planner will help you determine if you're making the best choices when it comes to your current lifestyle and future expectations.  Taking a look at all areas of your financial life and seeing how they fit together is the crucial first step in creating a plan for the rest of your life.

Risk Management
If you lost your job, or became disabled, how would you pay your bills?  If something were to happen to you, would your spouse be able to remain in your home? Would your children be able to afford college? Under extraordinary circumstances, the best of intentions can be swept away.  A financial planner can analyze your situation and help you find ways to protect your income and assets at every stage of your life.

Wealth Accumulation
Are you getting a return on your investments consistent with the risk you've assumed? Do you understand the different options that best suit your individual circumstances?  Through periodic reviews, our Investment Specialist and Financial Planners can help make sure that your investment plan reflects the changes at every stage of your life.

Tax Planning
Do you know the latest tax laws and how they affect you? Are you keeping as much of your earnings as you can? It's difficult to keep up with laws that change constantly and figure out how complex rules apply to your personal situation.  The Center for Wealth Management, An Office of MetLife, can provide guidance.  While only your accountant or attorney may provide tax or legal advice, we can work with them to coordinate a plan that best suits your needs.

Retirement Planning
Do you think that you're too young to start planning for your retirement or, that since you've already retired, it's too late to do anything about it? Regardless of your age or life circumstances, working with a Center for Wealth Management Financial Planner can help you adapt to your changing needs to achieve financial independence.

Estate Planning
After you are gone, are you sure that your money will be used the way you want and go to the people you want it to? Proper estate planning with a Center for Wealth Management Planner and your legal advisor can help you to anticipate your future needs and pass on more of your wealth to your family and charities. With a comprehensive financial plan in place, you can pass on a legacy, not a tax burden to your heirs.  
 

Our Financial Planning Service Has Five Steps

Step 1: No Obligation Session
At this meeting, a specially trained financial planner will listen to your finanical concerns and discuss what financial planning can do to help you achieve your objectives.

Step 2: Gathering Information
If you decide to purchase a financial plan from the Center for Wealth Management, An Office of MetLife, we move on to the next and most important step; data gathering.

Step 3: Analysis and Recommendation
A preliminary analysis of the information about you is prepared.  This includes reviewing all of your objectives and determining if they are feasible.  Your planner may consult, with your permission, with your attorney, accountant, or other adviser to make sure the data is complete.

Step 4: Final Plan Review
After all of the alternatives and information is analyzed, a final plan will be presented to you.  The final plan is a written document prepared especially for you by your planner.  It contains specific recommendations designed to meet your financial goals and needs.

Step 5: Plan Updated as Needed
Change is constant.  Each year, and perhaps more frequently, your income, investments, assumptions, and objectives will change.  This is why building a relationship with your financial planner is important.  You planner stands ready to update your plan as needed.

MetLife does not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance
Fee-based financial planning offered by Susan Myers of MetLife Securities, Inc., a registered Investment Advisor