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Financial Planning Services for Families and Individuals

Ready To Get Started? 

Ready To Get Started? 

Everyone dreams of financial freedom, whether that means being debt-free or saving up wealth to pursue your passions. However, reaching these goals takes thoughtful planning. Budgeting and investing are not everyone's strong suits. That's why the team at Benefit and Financial takes pride in working with individuals and families to help in providing options for them to not only have the information and resources they need, but to provide the means to help achieve their financial goals. 

Financial planning is deeply personal. Everyone has unique financial goals. The road to financial independence is different for everyone. That's why we make sure to tailor our financial planning and analysis services to each individual's or family's goals and financial strategies.

Keeping You Informed

We make sure you not only know all of your options, but understand them too so you can make informed decisions about your financial future.


A Partnership You Can Trust

Our experienced financial professionals are ready to help make your financial planning seamless and help you get the most out of your investments.


Financial Planning Services for Families and Individuals

Sometimes, budgeting and trying to navigate the world of asset collection on your own isn't enough to reach your financial goals. Financial planning can help in many ways.

Increase savings. Planned financial services can help clients realize how much they're spending on unnecessary items, helping them figure out where to cut costs.

Better standard of living. Managing your money properly doesn't mean you have to live frugally. You can still have money to cover your monthly expenses with plenty leftover for investing or occasional splurging.

Prepared for emergencies. No one can predict when an emergency will come up. Whether it's an unexpected trip to the hospital or an urgent house repair, these events can leave you in debt or, at the very least, financially strapped for a while. With proper financial planning, you can avoid these financially taxing situations.

Now, whether you're saving for retirement, education, or accumulating wealth, let's talk about the different ways we can help you do this.

Retirement Income Plan & Design

Everyone has heard that it's never too early to start saving for retirement. It may sound cliché, but it's true if you wish for those years to be smooth and comfortable. Planning for your retirement income is a bit like budgeting, but on a longer timeline.

Retirement funds can come from many places, so it's important to keep track of all of them to make sure you're on the right path to reach your goals. It's also important to keep an eye on your savings and assets because variables can change, such as inflation, investment returns, and tax liability.

Other than estimating future cash flows, retirement income planning also takes into account liabilities, life expectancy, and future expenses to make sure you have the full picture.


“Live” Financial Planning and Projections

Financial planning sessions, whether in person or via a digital meeting, are a great place to start working on any financial goals. Sometimes materials may be requested ahead of time so that your financial professional can get a head start on your plan. The meeting itself is a bit like a brainstorming session. Logistics will be covered and a list of suitable options to help achieve your goals will be created, which will be followed up on at the next meeting.

Financial planning meetings can be used for a number of concerns for families and individuals, such as: Deciding how much and how to save for retirement, deciding the most suitable way to save for a child's college education, budgeting issues, prioritizing ways to pay down debt, accumulating an emergency fund, what type of and how much insurance you need and setting up investment allocation for 401(k) plans.

Projections are an important part of any financial plan. Income and expenses are first taken into account. From there, planning for investments, saving, and other financial goals becomes easier. Plus, you can get an idea of what to expect from your savings, investments, etc over time if your personal suggestions are followed.


Portfolio Analysis and Design

Investment portfolios are as unique as the individuals they belong to. These portfolios can consist of bonds, stocks, cash, equities, and more. While it is always advised to diversify, each person has different levels of risk they're willing to take when it comes to their investments. That is just one reason why it's a good idea to at least consult with an experienced financial professional, if not build an ongoing relationship with them.

Portfolio analysis and design can benefit both newcomers and those who have been at it for a number of years. These financial services can help new clients decide which investments will serve them best. For veterans, it's always good to regularly check on your financial portfolio to make sure that it is meeting your needs, making adjustments if needed, and re-assessing goals.


Our Team Of Financial Professionals

Planning For Your Financial Future

As you can see, professional financial planning can help anyone in a number of situations. From simple everyday budgeting to planning for big life events, such as retirement, our financial professionals are ready to help pave the way to your financial freedom.

Benefit and Financial understands the importance of forming relationships with clients. Financial planning is an ongoing process. We look forward to working with our clients for years to come. To us, you're not just a client, you're a friend!

Need some help with your own financial planning? Give us a call or send us an email today!