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Our Financial Planning and Investment Advisory Services
At Roger R. Bell & Company, we have found that whether you are seeking a broad-based financial plan and investment guidance or only professional, objective guidance about one or more specific financial and investment concerns, we will address, as you so need, the entirety of your concerns. Our goal is to provide you with substantial peace of mind. Additionally, your planning and our subsequent recommendations and/or implementation assistance are based upon your unique needs with the hourly-, project-, retainer-, or flat fee determined by the time and expertise required to address your concerns.
At Roger R. Bell & Company, our financial planning and investment advisory services may address one or more of the following:
Investment Analysis
An analysis will be conducted of your existing investments, expenses, turnover costs, asset allocations, portfolio rebalancing, performance and tax efficiency, in conjunction with substantial consideration being given to your capacity to take risk (also known as risk tolerance). The determination of your capacity to take risk also addresses an equally important component of your financial balance sheet, that being, your liabilities. The ultimate objective of our investment analysis is to structure your portfolio to produce the most advantageous results based upon your specific situation. Consideration will also be given to the appropriate level of asset diversification and a determination of whether growth or value investments, etc., provide better opportunities for you.
Patience, time and an adherence to a disciplined process is the foundation of your investment success.
Our clients often desire professional and objective guidance on the selection of the appropriate funds in which to invest via their 401(k) plans, 403(b) tax-sheltered annuities, 457 plans, Roth, and Traditional and Simple IRAs, etc. Clients also seek professional guidance on the establishment and the funding of Self-Directed IRAs, or conversion of their 401(k) / 403(b) accounts to Rollover IRAs, etc. Professional guidance is provided in the reviewing and/or the obtaining of a wide range of related investments such as low cost mutual funds, exchange traded funds, fixed and variable annuities, real estate investment trusts, separately managed accounts/funds, stocks and bonds, etc. Contact Us for your free initial consultation.
Life Events
During the course of your life, numerous financial challenges will arise. As you so need, we serve as your trusted advocate in guiding you to successfully manage matters such as:
- the purchase/sale of a residence
- debt issues, cash flow needs, budgets
- divorce – division of assets
- death of a spouse or child
- career change
- purchase/sale of a business
- finance/refinance of a mortgage
- receipt of an inheritance or settlement
- financial provisions, etc. for the long term care of an incapacitated spouse, child or extended family member
- financing a college education
Retirement Funding
The goal of our retirement funding analysis is to assist you in determining the most advantageous strategy in order to fund your retirement. We will thoroughly examine your existing assets including your employer-based retirement benefits such as your 401(k), 403(b), and 457 plans, pensions, and social security retirement income, in addition to your personal savings, etc. Consideration will also be given to issues such as inflation, investment returns, the sale and/or purchase of property, and life expectancy. We will address how to mitigate the serious financial impact that a long-term incapacity could have upon your overall financial well-being.
Also, substantial thought will be given to your existing and future debt structure, and guidance is provided to minimize the impact upon your overall financial and investment strategies, and lifestyle. Where appropriate, tax strategies will be developed with experienced tax counsel to minimize the impact of taxes on your overall financial well-being. Contact Us for your free initial consultation.
Elder Care/Special Needs Planning
Addressing a loved one’s need for care due to a temporary or permanent incapacity that affects their ability to manage their affairs requires an extensive and compassionate understanding of their overall mental, emotional, physical and spiritual well-being. We provide professional guidance based on extensive personal and professional experience in addressing a wide range of issues such as ...1) the financial funding for short or long term in-home custodial care; assisted living or nursing home care; 2) the coordination of federal and private insurance benefits; 3) the review and development of the appropriate legal documents in collaboration with trusted legal counsel to enable your loved one to maintain their desired quality of life with dignity and respect; 4) the procurement of qualified caregiver providers for in-home care; or 5) the review and/or selection of the appropriate independent living, assisted living or nursing home facility, etc. Contact Us for your free initial consultation.
Estate and Trust Planning
We carefully review your specific desires and then develop cost-effective estate documents in collaboration with trusted and experienced legal counsel. These documents may include your last will and testament, financial power of attorney, medical/healthcare power of attorney, a living will (also known as advanced medical directive or natural death act declaration) and/or any applicable trusts required to address your specific needs. We also review with tax counsel the specifics of potential estate tax issues, charitable giving, etc., and incorporate these into an appropriate estate plan designed specifically for you. Contact Us for your free initial consultation.
Risk Management
We conduct a thorough review of potential life events that could cause a high risk of financial loss, thereby impacting your overall financial well-being. These life events may include a temporary or permanent, partial or full disability; long-term care needs; and/or inadequate levels of life, disability, medical, property, and liability insurance. We will make recommendations to mitigate these potential losses and will provide, where appropriate, quotes for insurance coverage. You will be provided professional guidance on the selection of appropriate insurance companies and coverage required to mitigate your exposure to financial loss. Contact Us for your free initial consultation.
Education Funding
If you are considering savings plans for your child’s education, our analysis will provide you information on the present tuition costs for your chosen colleges and universities. We will also consider how inflation, your current savings, usage of appropriate investments and subsequent returns, and future planned savings will assist in education funding. Accordingly, we will then determine your best course of action for funding the college/university education of your choice. We also offer professional guidance on the implementation of college cost-saving strategies as well as a determination of the appropriate resources available for financial aid.
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