Investment Strategies with You
and Your Goals In Mind
At Wise Financial Services, we understand there is no “one size fits all” investment product, or overall strategy that will meet every client's needs. Because of this, we take a very customized approach to developing investment strategies with the overall goal of helping you build enough wealth to ensure you have the financial ability to do the things most important to you.
A lot of different considerations go into investment decisions. Our team develops strategies based on you and your goals. We will talk with you about things such as:
Your reason for investing
The time you have until you need to reach your goal
How much you’re able to comfortably contribute to an investment strategy
Your risk tolerance
Once we have a full understanding of your individual circumstances, as seasoned financial planners we also know the importance of considering factors that are often beyond your control such as:
Inflation
Potential recession
Rates of return on investments
Changes in the job market
Health concerns
And more
With all of these things in mind, we will assess your goals and find the right investment strategy to start working toward your best financial future.
Retirement planning
If you own a business you know that you should start planning your exit strategy from the day you open your doors. The same applies if you’re working for someone else. Your retirement plan is your exit strategy from the workforce.
If you are self-employed, your retirement plan is going to look different than someone who works for a company with an employer match program.
At Wise Financial Services, we look at all your options for saving for retirement and find ways to help you leverage them. Here are a few of the products we use to help you prepare and work toward retirement:
Work or Employer Plans: such as a 401(k), 403b, 457, stock offerings, Pension Plan, Profit Sharing Plan, SIMPLE IRAS, or others
Self-Employed Plans: like a SEP-IRA or Solo 401(k)
Individual Retirement Account (IRA): IRA or Roth IRA
Social Security: your Social Security payments should be considered in your overall retirement plan
Why Choose Wise Financial Services for Retirement Planning
We understand that retirement planning is more than having a certain amount of money in the bank by a set date. We want you to be able to maintain your lifestyle in retirement AND have the financial ability to enjoy retirement. Whether that means buying a vacation home, a yacht, traveling, or something in between, we’re going to consider the retirement lifestyle you want to have and incorporate it into our planning process.
Aside from building wealth, we also want to help you protect it. Visit our insurance page to learn more about how we are helping clients prepare for the unexpected, like long-term care expenses and disabilities.
Education planning
At Wise Financial Services, our goal is to help parents navigate the complex landscape of funding education while balancing the family’s overall financial health. We don’t want families to feel overburdened by saving or paying for their child’s higher education. It’s a balancing act that can be accomplished by working with an experienced financial planner.
As with retirement planning, there is no one-size-fits-all all solution so we use a number of strategies to help families fund education such as:
529 Accounts
Joint account set up on behalf of a child
UTMAs/UGMAs
Whether you plan to fund your children through a vocational program, a 4-year college program, or until they’ve gotten their PhDs, let Kent and his team help you formulate the best solution for your unique circumstances.
Why Choose Wise Financial for Educational Financial Planning
As parents ourselves, we understand the importance of being able to provide the educational opportunities a child needs to achieve their career goals. But, we also understand that funding your child’s education can’t prohibit saving for your own retirement or meeting your other financial goals. So, we approach educational planning with the goal of providing the child with the most funding possible without sacrificing a parent’s ability to meet their own goals.
We would love to help you manage this delicate balance with a comprehensive educational financing plan.