The FFC Process

The Four Stages of Wealth Management

The purpose of what we do at the Financial Fitness Center, Inc. is to offer solutions for many of the financial facets of our client’s lives. We don’t simply “do” taxes or “invest” you money, we build a big picture in response to the unique aspects of your life. The following stages are on-going and intertwined.

Analyze

Examine the tax and financial needs providing each client with ongoing advice and counseling to make sound financial decisions. During this stage of the process, we would consider such topics as:

Taking charge of your financial future
Determining your goals for investments
Utilizing time tested and current strategies
Determine the level of risk for investments
Changing jobs
Starting a business
Utilizing current regulations and laws to your advantage

Plan

Design personalized strategies for minimizing taxes and maximizing investments to pursue the client’s needs and goals today, tomorrow, and the future. We would explore:

Minimizing your taxes
Creating an estate plan
Setting a retirement goal
Caring for an aging loved one
Buying a new home
Purchasing insurance
Planning for college expenses
Developing a charitable giving strategy
Getting married
Managing debt or cash flow

Invest

The strategy is to tailor tax and investment services to pursue our client’s needs at every stop along the way. Areas that we will examine are:

Developing an investment strategy
Understanding the tax implications of an investment
Managing a pension
Managing family assets
Monitoring and rebalancing your portfolio
Managing investment with a trust or inheritance
Making buy/sell decisions

Evaluate

The evolution of your financial well-being is a continuous process with on-going adjustments.

Reviewing investment needs
Diversifying a portfolio
Changing the strategy for the various stages in one’s life
Applying new strategies to address changes in tax laws

Investment and financial planning services are offered by Lois A Leynse, Anne C. Lowry, Jennifer James and Jennifer Stewart-Smith through their affiliation with HD Vest.

Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.