Financial Planning Services

What are your most important goals?

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Our world has changed significantly just as so many approach the cusp of retirement or begin to live what hopefully will be 30+ years of retirement. We advise, guide and help individuals and couples create personalized financial and retirement income plans. We also believe it’s important today to get a second opinion or review your existing plan and strategies amidst these disruptive changes we are all experiencing, in order to adjust or create the plan that best meets your unique situation going forward. In this environment of increased uncertainty, it’s important to Know Your Options.

 

Retirement and Income Planning

If you’re wondering where will your retirement money come from and how much can you expect from your qualified retirement plan, Social Security and your personal savings and investments, you are not alone. We advise, guide and help individuals and couples create personalized retirement plans and also review and re-assess the over-all risk management of both the accumulation/investment plan and the income distribution plan that’s essential in retirement. You may benefit from a no-cost Retirement Plan review.

No-cost retirement planning review sessions are available with Shari Hopkins, CFP®, Wealth Advisor and Steve Lee, ChFC, Wealth Advisor. During your planning session, Shari or Steve will help you develop or evaluate your current plan, and offer advice.

  • Evaluation of goals and risk tolerance
  • Evaluation of budget in relation to your goals
  • Review of any current investments
  • Overview of portfolio design
  • Risk review for income, life and estate
  • Recommendations for your retirement planning strategies
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Educational Workshops and Financial Planning Tools

Part of a comprehensive financial plan is understanding the issues and opportunities ahead of you.  We educate our clients through workshops and webinars and utilize timely and useful tools in our planning services that address:

 

  • MoneyGuide Pro Financial Plan analysis
  • Health Care Costs in Retirement
  • Social Security analysis
  • LTC/Extended Care analysis

Extended Care/LTC Planning, Risk Management and Insurance

Protect what matters most.  Reach out to us to help you navigate through those tough questions and learn more about what options are available through prudent and innovative risk management and insurance strategies - for every stage of life. Whether you're looking to prepare for Extended Care and Long-Term Care, protect future income, searching for affordable term insurance or the lifelong protection and cash value of permanent insurance, our Team will assist you in what you need to know about the many new options available for your legacy, retirement and income risk management. 

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Asset Protection

An important part of accumulating wealth is to create a sound financial plan for asset protection. Depending upon your needs and the stage of life that you’re in, we will consider investments that provide different tax shelters, both tax free and tax deferred. We will also discuss the need for protection for your heirs through different life insurance strategies.

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Tax

It is important to manage the impact of taxes with careful and consistent preparation through a team approach with your tax advisor. Understanding tax strategies and managing your tax bill should be a part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation and a team approach with your tax advisor, you may be able to manage the impact of taxes on your financial effort.

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Estate

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy, created with your estate attorney, can spell out your healthcare directives, designate someone to manage your financial affairs and ensure your directives are carried out, even if you are unable to do so yourself. 


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Investing involves risk including potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Neither LPL Financial, nor its registered representatives, offer tax or legal advice. Always consult a qualified tax advisor for information as to how taxes may affect your particular situation. 

Check the background of your financial professional on FINRA's BrokerCheck.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates. Coulee Bank or Coulee Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Coulee Wealth Management, and may also be employees of Coulee Bank.  These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Coulee Bank or Coulee Wealth Management.  Securities and insurance offered through LPL or its affiliates are:


The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.