Personal financial planning with investments that include but are not limited to retirement, tax, education, estate and risk management.
We strive to help you achieve your financial goals and help you navigate whatever life brings. Through financial advice and solution recommendations, we're here to help you feel more confident, connected and in control of your financial life.
Services
Financial Planning
Our goal is to help you get the most out of life with your money. We provide comprehensive financial planning and investment services to help you connect all of the dots in your financial life. Our approach is unique yet simple - we provide each client with a tailored financial plan that fits their life.
Comprehensive financial planning is something that everyone benefits from. It can also help you plan, prepare, and be successful in managing and optimizing what you work so hard for. Whether it is helping you identify opportunities, planning for the future, or even setting up your next generation’s finances, our customized approach is specific to you and your goals and priorities.
Our purpose is to help people align their money with their values, creating financial health that can stretch across generations.
Feel confident that you’re financially on track to pursue your goals and achieve financial freedom, while investing in responsible strategies. Serving individuals, families, and businesses.
Manage taxes
Plan for your future
Invest responsibly
Aim to optimize income
Managed Account Services
Plan for your retirement, or even the next generation with unbiased, strategic advice shepherded by financial experts with decades of experience. As you plan for your retirement, or even the next generation, we understand that asset management should not be a one-size-fits-all approach.
What to expect with our Financial Planning Services:
We believe financial planning is a personal journey with each plan we create being individualized and relevant to each person's goals and path. There are several critical steps in the Financial Planning process that we follow.
We will first conduct an initial complimentary consultation where we will collect pertinent information about your financial circumstances and objectives. Once we have reviewed your information, we will develop a comprehensive financial plan designed to achieve those goals and objectives. Together, we will identify the solutions that will best fit your life and partner to make that a reality.
Our financial planning services are not offered separately, but are included in concert with managed account services.
What’s included?
A comprehensive financial that includes retirement planning
Recommendations that are in your best interest
Financial goal setting, scenario analysis, and help with making financial decisions
Net worth analysis/tracking as a barometer to see how you’re doing
Income summary, cash flows and budget including any necessary recommendations
Retirement projection(s) based on your goals
Assistance with planning when and how much to invest, as well as the appropriate investment accounts
Asset allocation recommendation for retirement and non-retirement accounts
Strategies to optimize your financial position
A review of your estate planning documents, employee benefits, and insurance policies and recommendations for adjustments if necessary
Referral to other professionals if needed, such as CPAs, insurance brokers, or attorneys, to assist with implementation
We take pride in educating our clients, providing empathetic and transparent recommendations that will help you pursue your goals and reach your milestones.
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Retirement
Creating a strategy to ensure you have enough funds to maintain your desired lifestyle during retirement. It includes analyzing your current financial situation, estimating future expenses, determining retirement income sources (such as pensions, Social Security, and investments), and developing an investment plan to help you achieve your retirement goals.
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Tax
We aim to minimize your tax liability by using various strategies and taking advantage of available deductions, credits, and exemptions. It involves analyzing your income, investments, and expenses to optimize your tax situation. This may include strategies like tax-efficient investing, retirement account contributions, charitable giving, and more.
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Education
We focus on saving and investing for educational expenses, such as college tuition. It helps individuals and parents establish education savings goals, choose appropriate savings vehicles (like 529 plans or education IRAs), and develop strategies to maximize the growth and tax advantages of these investments.
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Estate
We create a plan to manage your assets and distribute them according to your wishes after your death.
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Risk Management
Identify potential risks that could negatively impact your financial well-being and implementing strategies to mitigate those risks
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Social Security
Provide education on the implications of Social Security benefits and help you optimize your claiming strategy to maximize your lifetime benefits.
Managed Account Services
You can expect to receive unbiased, strategic advice shepherded by financial experts with decades of experience with Addington Financial Group. As you plan for your retirement, or even the next generation, we understand that asset management should not be a one-size-fits-all approach. Managed Account Services with Addington Financial Group provide clients with programs for investing their funds in response to their long-term needs. These programs typically begin with the development of a profile of the client and a review of market data. This results in the formation of an investment model.
The model serves to illustrate the interaction between a client's objectives and constraints and the risk-reward alternatives of the market. A review of the model with the client guides the development of a suitable investment policy. In turn, this investment policy serves as the blueprint for an investment plan.
The outgrowth of this process is a set of reasonable working guidelines for the management of an investment portfolio. Portfolios constructed by Ms. Addington include, but are not limited to stocks, bonds, mutual funds, and U.S. government securities. With the client's approval, the Addington team will then implement the plan in accordance with currently prevailing market conditions and the client's expectations.
Once the portfolio is constructed, Addington Financial Group will provide continuous supervision and reoptimization of the portfolio, as changes in market conditions and the client's circumstances warrant. In addition, reports are prepared periodically for all accounts. These reports serve as the basis for monitoring the interim progress of the account.
Fee-only Fiduciary
A fee-only fiduciary is a financial advisor or firm that is compensated solely through fees paid by their clients. This means that they do not earn any commissions or receive any form of compensation from third parties, such as product providers or investment companies. The primary benefit of working with a fee-only fiduciary is the assurance that their advice and recommendations are unbiased and solely focused on the client's best interests.
By not accepting commissions or kickbacks, fee-only fiduciaries eliminate potential conflicts of interest that could arise from recommending financial products or services based on their own financial gain. Instead, they are committed to providing objective and transparent advice to help clients achieve their financial goals.
Fee breakdown:
The upfront and transparent fee structure of a fee-only fiduciary ensures that clients know exactly what they are paying for and can assess the value they receive from the services provided. This approach promotes trust and accountability between the advisor and the client.
It is important to note that being a fiduciary means the advisor or firm has a legal and ethical obligation to act in the best interests of their clients. They must prioritize the client's needs and goals above their own. This fiduciary duty adds an additional layer of protection for clients, ensuring that their interests are always at the forefront of the advisor's decision-making process.
$0 to $100,000 - 1.50%
$100,001 to $1,000,000 - 1.00%
$1,000,001 to $2,000,000 - 0.75%
Over $2,000,000 - negotiable (minimum 0.50%*)
*In limited circumstances and the firm’s sole discretion, Addington Financial Group reserves the right to reduce the minimum .50% fee requirement.
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