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The Retirement Express

Your Retirement Ticket®

“We Help Middle America Retire”

At Eley-Graham Financial Advisory Services, Inc., Clients Come First:

Our approach to delivering comprehensive financial services always begins with you, our client. We listen to you and discuss your goals, wishes, dreams, family, and lifestyle.

Through a consultative process, we then learn the details of your financial picture so we can construct and deliver a customized plan along with your personal Retirement Express Financial Action Checklist. We fully evaluate your situation to prepare an integrated, customized solutions.

“The Retirement Express” is Your Retirement Ticket® to financial independence. It comprises itself of six stations:

The Destination Station - Goals and Objectives
The Education Coupler - Education Planning
The Income Engineer - Retirement Income Planning
The Asset Allocation Line - Investment Strategies/Portfolio Design
The Insurance Protection Track - Life, Health, Home/Auto, Long-Term Care, etc.
The Financial Conductor - Estate Planning

By visiting the six stations, we help our clients determine how to accumulate their assets, create income for retirement, and help preserve those assets and, ultimately, distribute those assets to their loved ones.

We then meet with you on a regular basis to stay abreast of your financial situation.

We pride ourselves in offering what the Certified Financial Planning Board of Standards upholds as “the recognized standard of excellence for personal financial planning.”

Some of the ways we differ from other firms include:

Not all financial planners are Certified Financial Planners (CFP®). A CFP® is a licensed professional who must adhere to a strict Code of Ethics and Professional Responsibility. A CFP® is a fiduciary who abides by the legal duty “to disclose”—this is important. The U.S. Supreme Court has described this duty as “an affirmative duty of utmost good faith, and full and fair disclosure of all material facts” (SEC v. Capital Gains Research Bureau, 375 U.S. 180, 1963).

In other words, when someone hires a CFP®, prudence rules. So does compliance with the duty to diagnose, the duty to consult, and the duty to keep current with tax laws, product offerings – any and all developments that may affect the client. What is most important: YOUR needs must ALWAYS come first.

We pride ourselves on our menu of Retirement Express Services, which includes a comprehensive review of your tax return(s) to identify tax reduction strategies.

  • We regularly schedule meetings with you to discuss your personal needs and objectives.
  • We deliver a consistent calendar of educational client events and seminars, as well as newsletters, tax reports, market and economic updates, and articles.
  • We stay on top of what’s topical, so we can offer you our best and most current ideas, suggestions and solutions.

Compare Our List of Retirement Express Services

To the Services You Currently Receive...

Your FirmEGFAS
The Asset Allocation Line: Investment Allocations
Reviewing your investments and designing a personalized portfolio appropriate to your needs
Continual monitoring of your investments
Regular meetings to review, evaluate your investment performance, update your financial objectives and if necessary, reallocate your portfolio
Semi-annual reports
Independent advice
Recommendations regarding allocations within your employer provided retirement plans such as 401(k)s, 403(b)s, Simple IRAs, and SEP IRAs
The Income Engineer: Retirement Income & Distribution Planning
Analysis of your income needs now and in the future
Continual development and implementation of recommendations to fund your income needs and help maintain a comfortable standard of living
Recommendations regarding the best distribution strategy for your employer retirement plans & IRAs
Review the possibilities of converting to a Roth IRA
The Financial Conductor: Estate Planning
Analysis of your current estate plan and concerns
Free consultation with your CPA / Attorney
Assistance in transferring assets to your Living Trust or other trusts
Providing guidance with the appropriate and necessary steps in the event of the death of a loved one
Review of beneficiary designations and asset titling
Analysis of potential estate tax liabilities
Analysis of the beneficiaries of your IRAs
Examine if you want to own and control the assets and when to make them available
The Education Coupler: Education Planning
Review your goals to determine how important it is to help your children or grandchildren with their education
Examine various funding strategies to help you decide what may be most beneficial
Investment alternatives: Evaluation of the plusses and minuses of each program
Examine if you want to own and control the assets and when to make them available
The Protection Track: Insurance Protection Planning
Thorough analysis of your life, disability, health, long-term care, property, and automobile insurance
Insurance alternatives: Evaluation of the plusses and minuses of each program
Review of your long-term care needs
Tax Reduction Planning
Comprehensive review of your tax return to highlight opportunities to help maximize tax reduction strategies
Review of your tax situation and planning to incorporate any new tax law changes
As appropriate, free consultation with your tax preparer
Recommendations of tax solutions including tax-advantaged investments
Staying up-to-date on and presenting new tax laws that can affect your situation
Client Services & Communications
Quarterly Newsletter to keep you updated on the most current planning options
Semi-annual or annual reviews
Special reports on how to help reduce your taxes and other important topics
Special Retirement Express Service Events (including education and appreciation events)

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Investors should understand that working with an advisor that is a fiduciary does not guarantee that they will experience greater investment performance or reduced losses as compared to working with an advisor that is not acting as a fiduciary.