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Financial Education

We offer a wide array of planning services for our clients. Clients will be able to choose from several levels of financial planning services to help achieve their goals. These levels of service include: Basic Financial Planning; Detailed Financial Planning; and Situational Financial Planning.

Basic Planning:

Basic Financial Plan will provide a summary of your current financial status in relation to the achievement of the your financial goals and objectives. This analysis may include the following categories: net worth, income and expenditures; income taxes; investment risk tolerance, risk management (including disability income and life insurance); college funding planning; retirement planning; and estate planning strategies. You will receive a summary analysis of each applicable category and also receive generic recommendations as applicable to your personal situation.

Detailed Planning:

Comprehensive Plan will provide you with a detailed personalized presentation of your current financial situation and alternatives, as well as personalized recommendations as applicable to your individual situation. The areas of review within the plan may include, where appropriate, a detailed analysis of the following: current financial situation (net worth, detailed assets and liabilities listings); investment planning; cash flow planning; disability insurance; other insurance; education funding; retirement planning; estate planning strategies; investment tax strategies; and other general planning.

Situational Planning:

A Situational Plan provides the client with a detailed personalized presentation of the client's situation in relation to Estate Planning, Business Continuity Planning and/or Employee Benefits Planning as selected by the client. Personalized recommendations for the client are provided with the Situational Financial Plan as applicable to the client's individual situation. Each of the Situational Planning options are described as follows:

Estate Planning Strategies:

Estate planning involves an analysis of a client's goals and objectives for the distribution of his or her property. This analysis includes an examination of the client's current net worth and the distribution of property based upon the client's current estate plan. Projected estate taxes and related settlement costs based upon various assumptions will be considered. The analysis explores alternatives to help reduce those settlement costs, such as titling assets, using trusts, lifetime gifting strategies and charitable planning. Also included in this planning module is an examination and comparison of funding sources to provide liquidity. Representatives of Signator Investors, Inc. do not provide tax and legal advice.  Please consult your tax advisor or attorney for such guidance. 

Business Continuity Planning:

Business continuity planning incorporates an analysis of the available methods of transferring ownership and operational control of a closely-held business to co-owners and/or heirs based upon various assumptions. This analysis includes an examination of the client's current business situation. Additionally, this analysis explores alternatives to satisfy the client's objectives while helping to reduce transition costs (e.g., using trusts, gifting strategies, life insurance to fund buy-sell agreements) and examines funding sources such as life insurance and other financial vehicles to facilitate the transfer of the business and provide liquidity to meet estate planning objectives.

Employee Benefits Planning:

Employee benefits planning may include an analysis of both nonqualified and qualified retirement benefit plans. Nonqualified employee benefits planning includes a review of the available methods for providing nonqualified retirement, death and/or disability benefits to highly compensated employees based upon various assumptions. This analysis explores alternatives to attract, reward and retain these employees for both profit and non-profit entities, consistent with the client's objectives. Additionally, qualified employee benefits planning provides an analysis of the available pension and profit sharing plans and/or other retirement arrangements available under current tax law. This analysis examines the options available based upon factors such as corporate demographics ( e.g., number, ages and compensation levels of employees) and the client's objectives. Finally, both nonqualified and qualified employee benefits planning examine funding sources such as life insurance and investment products to provide such benefits.

You can give us a call to help you look at your own particular situation and see how we can help your planning needs.

813-228-7259  Contact Us

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.   |  813-228-7259