The Retirement Express℠
Your Retirement Ticket®
“We Help Middle America Retire℠”
At Eley-Graham-Austgen Financial Advisory Services, Inc., Clients Come First:
At Eley-Graham-Austgen 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 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 Income Engineer(℠) - Retirement Income Planning
The Asset Allocation Line(℠) - Investment Strategies and Portfolio Design
The Insurance Protection Track(℠) - Life, Health, Home/Auto, Long-Term Care, etc.
The Financial Conductor(℠) - Estate Planning
The Education Coupler(℠) - Education 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 Firm | EGAFAS | |
|---|---|---|
| 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 distribution strategies 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 pluses 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 pluses 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.