Wealth Management Planning

― John L. Beckley

Washington Crossing Financial Group focuses on you and the unique set of financial circumstances you and your family face. Getting to know you and understanding your personal needs allows us to create a customized wealth management strategy aligned with your short- and long- term objectives. By building a lasting, personal relationship with you, we’re able to help you anticipate needs and plan for the future.

We will give you the Fiduciary care necessary to achieve your financial goals. You will be working with a wealth manager that is legally and morally obligated to do what is right for you. We monitor your investment portfolio on an ongoing basis and continue to offer advice as needed. These services may be provided on a discretionary basis to assist clients in retirement planning, investment strategies and portfolio management.

We help you create a personalized strategy based on your lifestyle goals. Using our discovery process, we work with you to build an appropriate plan that supports your objectives, the monitor to you help you stay on track. Our services and strategies include:

Do I have enough to retire?

A: Social Security may not be enough to cover your expenses in retirement. There are many variables that factor into this: the age at which you wish to retire, how it impacts your income taxes, your budget, your health and how you save and invest. Washington Crossing Financial Group will take the time to analyze your situation, create a financial plan for you which will help answer this question.

When should I start my social security?

A: Many factors are involved with this decision. How long will you continue to work? How will it affect your income taxes? Starting too soon may negatively impact your monthly payment. Washington Crossing Financial Group can run a Social Security analysis report which will help define when you should consider starting your benefit.

How much money do I need to retire?

A: There are many variables that factor into this: age at which you wish to retire, how it impacts your income taxes, your budget, your health and how you save and invest. Washington Crossing Financial Group will take the time to analyze your situation so we can help you to best define how much you need to retire.

Will my retirement income be enough?

A: As mentioned above, Social Security may not be enough to cover all of your expenses in retirement. There are many variables that factor into this: the age at which you wish to retire, your budget, your health and how you save and invest. Washington Crossing Financial Group will take the time to analyze your situation by creating a financial plan which will best define if your retirement income is enough.

How to find a Financial Advisor?

A: It is important to do your research to find a good fit. Understanding the advisor’s educational background and professional credentials is also important. The financial world is complex, and you will need an advisor who has shown they are competent at handling it. The advisors at The Washington Crossing Financial Group hold the CFP certification ensuring they have what it takes to take care of you.

What is the difference between a financial planner and a financial advisor?

A: Like the Certified Financial Planners at Washington Crossing Financial Group, planners are fiduciaries; they are required to always put their client’s interest above their own. A Financial Advisor is a job title that anyone advising about your finances can use. We are proud to uphold the high standards of our roles as fiduciaries.

Questions to ask when interviewing a financial advisor?

• When shopping around for a financial advisor, you will want to get a clear understanding of what they bring to the table. Here are some key questions to ask before you hire Washington Crossing Financial Group:
  
  
  • How do you get paid? Washington Crossing Financial Group charges a flat fee based upon assets under management.
    
    
  • What are your credentials? The advisors at Washington Crossing Financial Group all hold their CFP® certification.
    
    
  • Are you a fiduciary? Yes, acting as a fiduciary means that the Washington Crossing Financial Group will put your interests before our own.

How does a financial advisor get paid?

A: Understanding how an advisor gets paid is the key to understanding a lot about how the relationship might unfold. You will want to make sure their incentives are aligned with yours and that they will not be taking actions just to earn a commission. The Washington Crossing Financial Group charges a flat fee based on assets under management and they are fiduciaries.

What is my healthcare going to cost in retirement?

A: Washington Crossing Financial Group can prepare a Financial Plan to help you determine those costs.

How do I protect my assets in a down market?

A: Learn how Washington Crossing Financial Group can manage your portfolio in both up/down markets.

How do I transfer my wealth in the most tax efficient way?

A: One area of expertise Certified Financial Planners have is Estate Planning. As Certified Financial Planners at Washington Crossing Financial Group, we can show you how to transfer your wealth in the most tax efficient way.