Financial Planning
Why Financial Planning?
If you were setting off on a long road trip to a new destination through unfamiliar territory, wouldn't you want to plan your route before you started? Sure you would. You'd have a more relaxed trip because you would know you were prepared for whatever came up.
The same holds true with the journey we call life. Circumstances can impact where you end up, we've found that if you don't plan for where you want to go in life, you'll never get there!
Request an appointment with our Financial Planning Experts today to begin mapping out your own financial plan for the life you want to achieve!
- Summary
Having A Plan Has Never Been More Important!
Once a privilege of the wealthy few, Countybank Trust Services has made financial planning available to the rest of us. We have on staff Certified Public Accountants, Certified Financial Planners and Chartered Financial Consultants to ensure the highest quality planning and advice..
This means that highly qualified professionals take a 360 degree look at your financial life and help you develop realistic plans for retirement and for things like putting your children through college, getting out of debt, and making sure that your loved ones are provided for in the event of an unexpected health problem or death.
Special News
In these uncertain economic times, we feel that it is more important than ever to take stock of where you are and make or alter you plans accordingly. So, we are waiving our usual $1500 fee to prepare financial plans. After all, we're all in this together, and if our communities prosper, so will we.
- What's In A Plan?
What goes into creating a personal financial plan?
Having a personal financial plan is neither intimidating or hard. A comprehensive plan should cover all of the following:
- Banking
- Taxes
- Investments
- Education Plans
- Debt Management
- Insurance
- Estate Plans
- Retirement
Most people simply don't know if their preprations are enough. "Am I saving enough for retirement?" "Are we prepared for the cost child's education?"
Usually we're just too busy taking care of our everyday business to look at our big financial picture. So it's when all of these areas work together that we can live our best lives.
- What We Find
Nine things that you might be doing to hurt your financial health
- Being over or under-insured
- Paying too much for insurance
- Missing out on tax saving opportunities
- Not saving enough for retirement
- Spending retirement funds too quickly
- Not understanding your investments ("what do I have, what does it do?")
- Taking on more investment risk than you're comfortable with or investing too conservatively
- Being unprepared for college expenses
- Legal documents such as wills and powers of attorney being outdated or not in place. You are never too young or too old, too rich or too poor to go without a will and a POA.
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