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Our Services

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Experience the solace that comes with personalized fee-based financial & estate planning, offering customized advice, allowing you to make sound financial decisions. 

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Offering a variety of investment vehicles including retirement plans, IRA’s, Roth IRAs, investment savings accounts, CD’s, annuities, and more. 

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Protect your financial future, and for those you love. We’ve got your back with many risk transfer products covering life, disability, long-term care, home, auto, and umbrella insurance.

Financial Planning

Working with a CERTIFIED FINANCIAL PLANNER (TM) Professional can be extremely beneficial for anyone looking to take control of their financial future. A CERTIFIED FINANCIAL PLANNER (TM) is a professional who has undergone rigorous training and continues to meet strict educational, experience, and practice requirements. This means that they are highly qualified and knowledgeable about financial planning, and can provide extensive industry advice and guidance on a wide range of financial topics.

One of the key benefits of working with a CERTIFIED FINANCIAL PLANNER (TM) Professional is that they are required to adhere to high ethical standards. This includes the fiduciary standard, which means that they are legally required to act in their clients’ best interests at all times. This is especially important when it comes to financial planning, as it ensures that the advice and recommendations provided are truly in the client’s best interests, and not motivated by the financial planner’s own self-interest.

In addition to their technical experience and ethical commitment, a CERTIFIED FINANCIAL PLANNER (TM) Professional can also provide a sense of tranquility. By entrusting your financial planning to a professional who is highly qualified and ethically bound, you can feel confident that your financial affairs are being handled with the utmost care and diligence. Your planner can work with other professionals on your team such as your attorney and your accountant. This is a way to align your actions with the efficiencies and success of your strategies aimed at helping to secure your prioritized objectives and financial future.

Estate Planning Strategies

Working with an estate planner can be extremely beneficial for anyone looking to ensure that their assets and wealth are distributed according to their wishes after they pass away. An estate planner is a professional who has experience in the field of estate planning and can create a plan that meets your unique needs and goals.

One of the key benefits of working with an estate planner is that they can assist with avoiding probate, which is the legal process by which a court determines the validity of a Will and supervises the distribution of a deceased person’s assets. Depending upon your state, probate can be a long and costly process, and working with an estate planner can help you avoid it by creating a plan that utilizes tools such as trusts, beneficiary designations, titling of accounts, and powers of attorney. An estate planner can also help you minimize taxes on your estate, which can be especially beneficial for high net worth individuals. Planning for potential long-term care needs and asset protection in the event of disability or incapacitation is another benefit of working with your estate planner.

If charitable giving is an objective, the estate planner is able to assist, utilizing, among other things, a charitable trust, for example, which can be a great way to give back to the community while also achieving other estate planning goals. Assisting with beneficiaries who may need special protection, such as minors, those with special needs or those who are not financially responsible, an estate planner can be an invaluable member of your team.

Our team members educate you regarding tools available to assist with making smart decisions about your assets and wealth, so that they will be managed and distributed according to your wishes in case of incapacity or death. Techniques used can help you avoid probate, minimize taxes, plan for long-term care needs and much more.

Chartered Financial Services and its representatives are not estate planners. They do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.

Investment Strategies

Investment accounts allow individuals to save and potentially grow their money by investing in a diverse range of assets such as stocks, bonds, and mutual funds. These accounts aid with building wealth over the long term. By picking appropriate holdings, these accounts can assist with building emergency funds and liquid tiers of assets for achieving shorter-term goals as well. Investment accounts can be tailored to address specific financial goals and risk tolerance based on timelines for use.

IRAs (Individual Retirement Accounts) and ROTH IRAs are special types of investment accounts that offer tax benefits to help individuals save for retirement. Traditional IRAs allow for tax-deductible contributions (depending on circumstances), which could lower your taxable income in the year the contribution is made. The funds within a traditional IRA grow tax-deferred, meaning no taxes on the investment earnings are due until they are withdrawn in retirement. Roth IRAs, on the other hand, do not offer a tax deduction for contributions, but the funds within the account grow tax-free and can be withdrawn tax-free in retirement as long as certain requirements have been met.

Another strategy includes the use of annuities. Annuities provide some sort of protection or guarantee, either on growth or by providing a steady stream of income during retirement. They are often purchased with a lump sum of money and can pay out a fixed or variable amount on a regular basis, often for the remainder of a person’s life. Some annuities can also offer principal protections and may be an appealing option for those who are looking for this additional feature in their retirement portfolios.

Whatever your objectives, investment accounts, IRAs, and ROTH IRAs, as well as annuities can be valuable tools to save and build for your financial future. 

Financially Protect Yourself & Others

Life, disability, and long-term care insurance are crucial tools in protecting you and those who depend on you from financial hardship caused by a death, disability, or long-term care event.

Life insurance provides a financial safety net for your family in the event of your death, covering expenses such as funeral costs, outstanding debts, and living expenses. If set up correctly, life insurance can pay a tax-free benefit to your beneficiaries. 

Disability insurance replaces a portion of your income if you are unable to work due to injury or illness, helping you cover expenses such as mortgage payments, car loans, and other bills while you are not able to work. 

Long term care insurance helps cover the costs of your care, either in your home or in a facility, when you need assistance with at least two activities of daily living or have a cognitive impairment. These types of services can be extremely expensive and can quickly drain savings and assets, but with long-term care insurance, you can take solace knowing that you have a financial safety net in place to assist with these costs.

Life, disability, and long-term care insurance allow you to focus on your recovery or grieving process, rather than worrying about how you will pay your bills or care for your loved ones. They give you the freedom to make choices based on your needs and well-being, rather than being limited by financial constraints. Protecting yourself and your loved ones with these types of insurance is an important step in ensuring a financial future.