Financial & Retirement Planning Services

 

Financial Planning

The Firm's process adheres to the CFP® Board of Standards, Inc.* six-step protocol:

 

 

Benefits of Utilizing a Formal Financial Planning Process Include:

    Client First approach
    Process oriented, NOT product driven
    Risk Management
         Identification of potential risks
         Implementation of strategies to eliminate or neutralize the risks
    Higher probability of success in reaching financial goals
    Maximization of your control
    Confidence in achieving your financial goals

 

Financial, Retirement Planning

 

Call the firm at (502) 450 PLAN (7526) or click here to fill out a request form and I will contact you!

The Comprehensive Suite of Services Include:

   Statement of Current Financial Condition – Establishment of current and future financial goals with an assessment of overall current financial condition
   Current Balance Sheet and Cash Flow Analysis – Review/analysis of all current sources of income and liabilities; assessment of positive/negative cash flow; surplus deployment strategies
   Investment Review of Current Investment Accounts – Analysis of overall asset allocation as well as analysis of individual investment holdings; review of investment account structure, efficiencies and effectiveness; Investment advice on: Equities, Fixed Income Instruments, Mutual Funds, Exchange-traded and Index Funds, REITS, Unit Investment Trusts.
   Retirement Income Planning – Consideration and analysis of all sources of income during retirement (aka “buckets”); guidance on proper retirement income needs funding; Social Security review/counsel
   Stock Options Analysis (if applicable) – Incorporation of options planning into overall financial goals and strategies
   Educational Planning – A review of educational funding resources and appropriate tools necessary to achieve and fund those financial needs
   Business Succession Planning – including business valuation provided by Principal National Life
   Post-Divorce Planning – Financial restructuring and guidance in coordination with divorce settlement decree/agreement
   Risk Management Analysis – portfolio analysis of any life/disability/long-term care policies current in place or a review of needed risk management strategies
   Estate Planning Review – Courtesy review of current estate plan and coordination of any desired/needed changes by the Client with legal counsel of said Client
   “Stress Testing” of Asset Base – Analysis of the consequences of a disability, pre-mature death or longevity risk
   Recommendations and Implementation Guidance – Coordination of the implementation with the Client of all Recommendations as agreed upon by both parties

 

The CFP®* Advantage

Unfortunately, anyone can label him or herself as a “financial planner.” CFP® certification demonstrates a deep knowledge and commitment to personal financial planning. More and more consumers seeking financial planning help are looking for planners of an exceptional quality who adhere to the highest standard.

As a CERTIFIED FINANCIAL PLANNER™ professional, Todd K. Meador follows the strict protocols dictated by the CFP® Board of Standards, Inc. Also, to have gained this differentiating designation, Todd passed a rigorous 10-hour, two-day exam. To maintain such designation, Todd must complete ongoing continuing education requirements. This allows Todd to maintain his knowledge base and keep abreast of cutting edge planning techniques, potentially impactful legislation being considered by Congress and new software tools that provide clients with a clear cut understanding of their current and future financial structure.

*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.