Anyone who wishes to plan prudently for his or her financial future will benefit from financial planning services. Some of our clients have specific problems or needs in one area of their financial lives. Others want to develop a comprehensive plan to help them achieve long-term and short-term goals. We help people who are just beginning their careers as well as people who are nearing retirement.

Today, a large (and growing) number of Americans are defined as affluent and earning higher incomes. Often, though, these people don’t consider themselves as affluent because they have difficulties accumulating wealth. A solid, well-conceived financial plan can help put your income to work for you. Those who have already accumulated substantial wealth require a sophisticated level of planning in order to effectively manage that wealth.

When considering financial planning, consider the following:

• Many retirees will now live 25 or more years in retirement, requiring greater resources than ever before.
  

• Social Security and pensions often fall short of funding retirement.
  

• Health care costs are rising at triple the inflation rate. College tuition costs are rising at twice the rate of inflation.
  

• Financial markets are complex, and tax laws change annually. Risk and opportunity have also shifted due to the globalization of world economies.
  

• Between paying for college and elder care, the "sandwich" generation finds their financial burden doubled.

Financial planning is a lifetime process, not a one-time event. Once a plan is in place, it needs to be periodically reviewed and updated to reflect changing circumstances in your life, such as marriages, inheritances, births or deaths, and changes in your career. Investment performance must be reviewed in light of changes in your personal needs. Your financial plan must also be adaptive and responsive to changes in the financial environment, including tax law changes.

Heald Financial Advisors provides ongoing service, periodic review, and day to day consultation if necessary. We also track our clients’ investments, monitor current market value, and can provide our clients with detailed, consolidated reports. Depending on the depth and intensity of this service, clients may pay a separate fee.

Our philosophy is to develop long-term relationships through valued, ongoing service that continues to benefit our clients for years to come.