Checklist For Securing Your Family's Financial Future: Download Your Free 7-Step Financial Planning Guide

Financial planning goes hand-in-hand with financial preparedness and confidence about the future. At Richard Brothers Financial Advisors, we spend the time to get to know you, and then develop a plan uniquely suited to your goals. 

According to research by the Certified Financial Planner Board of Standards and the Consumer Federation of America, families that are considered “comprehensive planners” are more successful at meeting financial goals, following a plan for savings and investment and maintaining adequate insurance coverage. They’re also far more confident in their ability to manage their finances.

Most of these comprehensive planners work with a financial professional with a fiduciary responsibility, according to the study. They also plan for specific savings goals: 88 percent have a specific plan for retirement and 80 percent have a plan for emergency savings. More than half report an annual household income of $100,000 or more. 

Yet only 19 percent of American households have achieved this level of financial preparedness and peace of mind. Shouldn’t yours be one of them?

If you’re ready to achieve your dream lifestyle and stop worrying about outliving your savings, Richard Brothers is ready to help. We provide comprehensive wealth management services, including retirement planning and risk management, proactive tax planning and financial planning for your estate. We can also counsel you on business and philanthropic goals as well as business succession planning.

Checklist For Securing Your Family's Financial Future: Download Your Free 7-Step Financial Planning Guide

Retirement Planning

To achieve the retirement lifestyle of your dreams, you need a trusted financial partner and a plan tailored to your unique goals. Our approach to retirement planning helps you realize your vision through manageable goals and a financial investment plan.

We help you choose from an array of financial products in planning for a secure and comfortable retirement. Learn more about our personal retirement planning services.

Risk Management

Protecting you, your family and your business from unexpected events is a prudent component of any financial plan. Whether you’re looking for a personal policy or coverage for your business, Richard Brothers is able to recommend a cost-effective program tailored specifically to meet your needs. As a registered insurance agency, learn how we can provide trusted insurance needs analysis and financial risk management services.

Asset Allocation Planning

Richard Brothers understands that the assets we invest on your behalf are often core assets, slated for wealth building, children’s education and other long-term goals — so we know you are looking for sound returns without unnecessary risk.

We spend considerable time up front developing a personalized investment plan based on your financial goals, values and risk tolerance. But our commitment doesn’t end there. Each year, we meet with you personally to review your investment program and discuss any personal or financial changes that may modify the asset allocation plan.

College Planning

In today’s dollars, college costs an average of $43,700 per year, according to the latest data from The College Board. Assuming a five percent annual increase, in 18 years, a four-year private college education is likely to cost over $450,000. Fortunately, there are many options for defraying those expenses. Learn how Richard Brothers can provide college financial planning services to reach your family's education planning goals.

Tax Planning

Proactive tax planning today minimizes future tax burdens and increases your net worth and financial security. Richard Brothers Financial Advisors can coordinate with your existing tax advisors to evaluate the tax implications of your investments and recommend appropriate strategies to optimize your returns. 

Our detailed quarterly and annual statements provide easy-to-understand financial data to assist in your near- and long-term tax planning. We also have a list of preferred providers we recommend when our clients are seeking the advice of a tax professional.

Family Wealth Planning

Richard Brothers knows every family has unique financial and life goals, and investments are only part of the picture. Whether you are a small business owner or a Fortune 500 CEO, our knowledgeable, experienced advisors have extensive experience with meeting the needs of high-net-worth individuals and their families. 

Our team of financial professionals work closely with you to provide trusted family financial planning and wealth management services.

Transition Planning

For business owners, business succession and transition planning helps ensure your future prosperity and the legacy of your business. Richard Brothers can provide financial advice, in coordination with a trusted CPA, to give you the peace of mind during this transition, so that you’re ready to enter the exciting next stage of your life with confidence and financial security.

Financial Planning For Your Estate

You’ve worked diligently to secure your future. Ensure that your legacy carries on after you’re gone. Richard Brothers offers financial planning for your estate, working with you and your attorney to create a comprehensive estate plan that preserves and protects your assets. 

Perhaps you own a privately held business, a family vacation home or various investments in real estate, individual stocks and bonds. A wisely crafted estate plan protects your beneficiaries and your assets, and minimizes the tax burden so that your wealth is transferred smoothly to future generations.

Take control of your financial future today!