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 futureDetermining your goals for investmentsUtilizing time tested and current strategiesDetermine the level of risk for investmentsChanging jobsStarting a businessUtilizing 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 taxesCreating an estate planSetting a retirement goalCaring for an aging loved oneBuying a new homePurchasing insurancePlanning for college expensesDeveloping a charitable giving strategyGetting marriedManaging 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 strategyUnderstanding the tax implications of an investmentManaging a pensionManaging family assetsMonitoring and rebalancing your portfolioManaging investment with a trust or inheritanceMaking buy/sell decisions Evaluate The evolution of your financial well-being is a continuous process with on-going adjustments.Reviewing investment needsDiversifying a portfolioChanging the strategy for the various stages in one’s lifeApplying new strategies to address changes in tax lawsInvestment 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.