Planning

Sometimes, you need verification that you are on the right track. From budgeting, to planning for retirement, to saving for education, to managing your taxes and insurance coverage, our advisors stand ready to bring all the pieces of your financial picture together. Financial planning takes the guesswork out of managing your own finances. Our sophisticated analytical tools take the term, “putting pen to paper” to a new level.

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Areas of Focus

We recognize the complexities of the changing financial climate and will work diligently to tailor a plan to meet your goals. Our main areas of focus include:

• Retirement spending
• Cash flow, budgeting, and saving
• Investment allocation
• Risk management and insurance planning
• Estate planning
• Tax analysis

NOT FDIC INSURED, NOT BANK GUARANTEED, MAY LOSE VALUE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Disclaimer: Securities offered through American Portfolios Financial Services, INC. (“APFS”). Member FINRA/SIPC. Investment advisory services offered through APFS Wealth Manager, Inc. DBA Novem Group. (“Novem Group”), a SEC Registered Investment Advisor. Insurance/f8ixed annuity products are offered through Five Points Bank Insurance Agency (License # 0100173825). Five Points Bank, Five Points Financial Services. APFS & Novem Group are separate entities. Only Five Points Bank and Five Points Financial Services are affiliated