Voicemail and email are wonderful conveniences, but to use this technology for a review of something as important as your financial portfolio? At Stockham Financial, we do business the “old fashioned way” — face-to-face because we feel two-way communication is the best way to understand your financial needs and goals.
As your independent financial advisor, we are able to offer unbiased advice, seasoned guidance, and impeccable service.
After all, it’s your money, you shouldn’t settle for less!
Putting all your eggs in one basket can lead to broken financial dreams. Stockham Financial’s team will seek to ensure your investments are properly diversified with a sensible asset management strategy. By blending a variety of account types and investment styles, your “eggs” will be in many “baskets,” all conveniently organized and managed within our system.
Building a solid, long-term investment strategy is not a one-and-done activity. We’ll help you assess your strategy, explore new options, and recommend timely adjustments to help you achieve your financial goals.
In order to simplify the financial lives and provide peace of mind for our clients, we employ comprehensive and integrated advice. Our process is to prioritize goals, analyze assets, develop a plan, implement a strategy and monitor outcomes adjusting the plan as needed.
For most individuals, retirement is the time when they can finally enjoy the fruit of their labor towards the end of their professional career. In reality, retirement begins the moment you decide to prepare for it involving two phases, building assets (pre-retirement) and making those assets last (post-retirement). A comprehensive, full retirement plan is the result of careful research, developing goals, strategy selection and timely review during all phases.
Our services extend both to individuals for their personal retirement as well as to small businesses looking for the best benefit package for their employees. Our team can assist with choosing from a range of services tailored to small businesses. We can help decide if 401(K), SEP, SIMPLE or even a Defined Benefit plan is best for you. Additionally, we offer payroll services through ADP as well as benefits plans including life and health insurance. Our mission is to help you or your business get to a secure place and stay there.
As part of our integrated planning, we often find that current income plans, estate plans and wealth transfer can all be enhanced by including Charitable Planning. Through the use of Charitable Remainder Trust current income can be enhanced while creating a current income tax deduction. Wealth transfer to heirs may be enhanced with a Lead Trust. Estate plans in general can be leveraged by using the Irrevocable Life Insurance Trust (ILIT). Let’s discuss your charitable intent and integrate this into your plan.
We understand the importance of preserving your legacy for those who follow. How your accounts are titled, as well as beneficiary arrangements, are often overlooked parts of estate planning. We’ll coordinate your investment planning with your estate and tax planning professionals so that your overall plan will provide for effective preservation and transfer of wealth to your loved ones.
One of the biggest risks to your nest egg can be a lack of protection. Don’t let the unexpected threaten everything you’ve worked so hard to build. We can help you sort through the tangle of insurance terms and policies to devise a strategy that will protect what’s important to you, short term and long term.
Adding fixed income investments to your portfolio can result in an important level of diversification to other types of higher risk investments. Stockham Financial has access to some of the industry’s most experienced fixed income research and trading desks: both in taxable & tax free municipal bond strategies.