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Financial Planning

Ongoing OR project based holistic financial planning for individuals, families and business owners. Our comprehensive financial planning looks at your current and future life in its entirety and then builds a plan that makes sense for you based around your unique situations and lifelong financial goals. Once the financial plan is built we conduct a thorough review with you and assist in the implementation process where applicable. 

Financial plans focus on, but are not limited to, the following core areas of your long-term financial wellbeing: risk management, insurance planning and solutions, investment advice and management, retirement planning, cash flow planning, debt payoff planning, college savings, tax planning, estate planning, financial/ life goal planning, and specialized financial guidance.

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Planning for specific goals and life events is also a service we offer. Please see examples below.

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Investment Management

Navigating through a myriad of investment choices while addressing the complexities of risk management, capital preservation, and wealth accumulation presents numerous challenges to maintaining one's financial path. At Brookwood, we offer the knowledge and resources to craft a personalized plan that will navigate you through the uncertainties of markets and life events.

Our approach is straight forward. Since each client has a different combination of risk profile, time horizon, tax status, income levels and estate planning, we build tailored investment plans for each of our clients that are based on a foundation of carefully created model portfolios that are strategically aligned with your financial objectives and long-term life needs.

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Your investments continue to be monitored and adjusted as needed to rebalance according to your risk tolerance, to stay on target with your objectives and to adapt to any life changes you have. 

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Insurance Planning & Solutions

Proper insurance and risk mitigation is the backbone to any well built financial plan. Properly setup insurance solutions will carry all, or most, of your plan through the finish line if/ when unfortunate events occur in your family's life.

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We offer insurance solutions for the most serious threats against you and your family successfully completing your plan and meeting all of your financial goals. For the vast majority of us, the most serious threats to our financial plan are: 1.) Loss of a breadwinner's income for a long period of time. 2.) Long-term health care costs. 3.) We outlive our savings. The good news is we can insure against all of these threats, and unless you are in a very rare group of families that can hold onto these risks and self-insure themselves, it is typically recommended that you do so. 

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With that said, our philosophy around insurance is: "we insure as little as we possibly can to accomplish what we want to accomplish." In other words, we don't recommend and sell insurance just to sell insurance and that's important. We believe that insurance has its place in the lion's share of great financial plans, but we also believe that each plan has its own unique types and sizes of coverage that it needs. There is no "one size fits all" insurance solution for everyone.

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Insurance solutions that we offer:

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Life Insurance: Our solutions provide peace of mind and a fail-safe for your financial plan, ensuring financial protection and stability for your family's needs. From term to whole life insurance, we're committed to crafting personalized strategies that safeguard what matters most to you and makes the most sense for your comprehensive financial plan.

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Disability Insurance: Throughout most of your financial plan, safeguarding your income is critical to ensuring its success. Our short-term and long-term disability solutions protect your income and improve the odds of your financial plan and goals being successful in the event of an illness or injury. Your customized plan provides you and your family with peace of mind and financial stability.

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Long-term Care (LTC) Insurance: Whether assisted living homes, nursing homes or in-home care, the cost of long-term care has risen dramatically over the last several decades and threatens even some of the most financially well off estates if not properly planned for.

A proper LTC solution can achieve the following: improve the odds that your financial plan succeeds, preserve assets, help you maintain some independence and provide optionality in regards to types of care you can obtain, provide emotional and financial relief to your family and give you peace of mind knowing when the inevitable time comes that you have a plan to protect your lifelong hard work (your estate) and are able to receive reasonable care. 

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We offer personalized LTC solutions, ranging from standalone policies to linked benefit plans, that make sense for your overall financial plan and give you peace of mind.

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Retirement Income Solutions: Guaranteed income is top of mind for most retirees, and annuities still remain the only way to generate a guaranteed income stream that can't be outlived. While not every financial plan requires a fixed income solution, annuities can fill gaps, give peace of mind and provide a tremendous amount of optionality for retirement planning. We offer a wide variety of retirement income solutions to fit your individual financial plan. 

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Retirement Planning

Retirement planning is typically within the larger scope of a comprehensive financial planning, but we acknowledge the need for specialized retirement planning tailored towards different topics such as:  retirement withdrawal strategy, insurance/ healthcare review and planning, Social Security optimization and pension/ occupation funded retirement review/ planning. 

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Tax Planning

Taxes often represent some of the largest expenses over the course of your life. We offer tailored tax planning to include: tax-efficient investments strategies, income tax planning, business tax planning and overall tax reduction strategies. 

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Education Planning

The cost of education continues to rise significantly, making it more challenging than ever for our children to attend an educational program and remain debt free or at a minimum not haunted by their student loans for the rest of their lives. Here at Brookwood, we do education planning and investment management to include: needs assessment, saving/ investing for education strategy, 529 plans, UTMA and UGMA options and financial aid guidance. 

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Estate Planning

Estate planning is often last on the list as we work through life's rigorous schedule, however, proper estate planning can often be the difference between your family's long-term financial plan succeeding or failing. Without proper estate planning you and your family are carrying more risks than you otherwise need to and typically have less control over what happens when tragedy occurs. Estate panning is included in our comprehensive financial planning services, but we realize that some customers just need a bit more assistance with specific estate planning and strategy. We offer specific estate planning to include: inventory assessments, current plan review, family dynamics consultation, inheritance and legacy planning, minimizing estate taxes (if applicable) and estate plan education. 

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Debt Management

One of our firm's specialties. Debt has become an epidemic in our country, but that doesn't mean you have to suffer from it any longer or alone. Our firm's debt management service includes things such as debt consolidation strategies, paydown plans and credit management. This service is typically project based for a defined period of time. Get out of debt today!

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Specialized Financial Guidance

Life happens and things change. Whether it is a divorce, material charitable giving or special needs financial planning, we offer project based specialized financial guidance for a fee.

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Financial Education 

Just starting your financial journey or not yet ready to engage in-depth planning and advisory services? We offer a host of free and paid for financial education including our personal finance course (Coming soon!! Click HERE to get on waiting list!) that walks you through the different pillars of your financial health in an easy to understand and retain way. The course is designed to take you from a beginner to someone who can feel confident in the following areas:

• Talking about money with others

• Basic understanding of the different investment opportunities available

• Budgeting and getting out of debt

• Knowing when to seek out financial advice from professionals

• Doing some DIY investing and planning and navigating the sometimes challenging waters of personal finance