Every dollar has a purpose for you.
Taking a Team Approach to Managing Your Wealth
We primarily work with pre-retirees and retirees who are enthusiastic and committed to meeting their retirement goals. With our team-oriented approach, we’re focused on working together to educate you about the many options and solutions we can use to pursue your short and long-term goals. As we work together, we offer a process that’s engaging, interactive and intuitive to help you stay motivated and on track as we focus on pursuing your goals.
The Value of Our Services
- Review of Portfolio
- Asset Allocation
- Time Horizon
- Withdrawal Stages
- Investment Policy Statement
- Stock Concentration and Diversification
- Review Investments Held Outside of Our Firm
- Wills
- Power of Attorney
- Living Will
- Health Care Proxy Trusts
- Irrevocable Life Insurance Trusts
- Estate Taxes
- Guardians for Minor Children
- Charitable Giving
*Neither Cetera Advisor Networks LLC nor it’s representatives offer tax or legal advice. Please consult your tax and legal advisors regarding your individual situation.
Planning
- Retirement Goal Setting
- Social Security and Medicare
- Business Planning
- IRA Contributions and Conversions
- Employer Sponsored Plans and 401k’s
- Annuities and Pension
- RMD’s and Withdrawal Strategies
- Self Employed Retirement Plans
- Review of Existing Policies
- Life Insurance Needs
- Long Term Care
- Disability Insurance
and Budget
- Income Sources
- Expenses and Budgeting
- Debt Management
- One-Time Expenses
- Planned Large Expenses
- Emergency Funding
- Dollar Cost Averaging
- Mortgage Review
- Line of Credit
- Gifting
- Education Funding
- Caring for Elderly
- 529 College Savings Plan
- Roth IRA’s for Children
- UGMA/ATMA
- Review of Cost-Basis
- Review Realized Gains
- Carry Forward Losses
- Tax Loss Harvesting
- Deductions and Credit
- Potential Roth Conversions
*Neither Cetera Advisor Networks LLC nor it’s representatives offer tax or legal advice. Please consult your tax and legal advisors regarding your individual situation.
Investment Process
01
Identify Your
Objectives and Goals
Identify Your Objectives and Goals
Critical factors that we look at:
- Your tolerance for risk: utilizing a cutting edge platform to quantify your unique risk tolerance
- Your time horizon: making sure that adequate funds are available for unforeseen emergency expenses and longer term money is invested based on your future needs and expectations
- Your comfort level: making sure that we educate you on the many choices of investment vehicles that will suit your needs and that you are comfortable and understand those choices
02
Determine Optimal
Asset Allocation
Determine Optimal Asset Allocation
Using modern portfolio theory we will help you develop a diversified strategy containing multiple asset classes that will stay within your risk tolerance level. Investing is a long term strategy and your success is driven primarily through proper allocation and avoiding temptation to time the market or chase returns.
Upon finding the right solution for you, we will help you implement and manage the agreed up on strategy.
03
Monitor
and Review
Monitor and Review
Continuation of identifying the level of investor risk is just as important, if not more, than that of the returns. Using a risk alignment platform and planning software, we will help to keep you on track for your future goals.
Interested In Learning More?
Get In Touch With Our Team
Located in Jersey Shore State Bank
300 Market St.
Williamsport, PA 17701
P: (570) 320-2045
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