Financial Planning Services
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Explore M-G Financials' Holistic Menu of Client Services

Financial Planning

Many clients come to us seeking clarity and direction in their financial planning. They may feel inundated by the numerous options and lack a comprehensive understanding of how to achieve their financial aspirations. We help illuminate the path forward by defining strategies for achieving their short and long-term goals. We help with:

Retirement Income Planning

After a lifetime of nurturing your savings, your retirement nest egg sits in front of you, ready to provide for the next life phase. You wonder: Is it enough? Will it last a lifetime? What funds do I access first? Our goal for each client is that they have enough to retire and stay retired, if they choose, plus enough left over to enjoy life. We help cover these topics and more when we delve into your unique retirement situation:

• Annuity options for creating a guaranteed* income stream. 
• How defined benefit pensions, IRA and 401(k) accounts can be drawn down.
• How to offset taxes in retirement through rollovers.
• How to maximize Social Security benefits. 
• How other income sources, such as work or rental, can impact your budget.
  

Wealth Management

After spending decades saving and growing assets, many clients turn their attention to wealth protection and preservation as they near retirement. They no longer want to take unnecessary risks with their investments, opting instead for more moderate or stable growth if possible. Many look for ways to preserve assets in a way that can sustain them throughout the rest of life while still leaving a legacy. We can help clients with:

• Identifying risks and offering strategies for preservation and protection.
• Making sure all accounts are aligned with overall goals and risk tolerances.
• Exploring strategies for mitigating tax burdens, such as estate and capital gains. 

Medical, Dental, & Vision Insurance

Whether you are an individual needing coverage or a business owner wanting to offer coverage to employees, we can help identify medical, dental and vision insurance options. We are independent insurance brokers and have relationships with a variety of carriers to help identify the right plan for your situation, considering coverage amount needed and budget. Just like the costs of all goods and services, insurance costs tend to rise over time with premiums and out-of-pocket expenses adding up. It’s prudent to review and assess coverage every so often to make sure these line-items are actively managed. We can help with:

Assessing Current Policies

Identifying New Options

Exploring Various Carriers

Medicare Plans

Signing up for Medicare is fraught with decisions and deadlines. We pride ourselves by staying current on the latest guidelines and deadlines so we can help guide our clients with the most up-to-date information. We can help with:

• Understanding Medicare coverage, supplements and deadlines.
• Explain co-pays and prescription coverage.
• Explore vision and dental options. 
• Explain options for eyeglasses and hearing aids.
• Review your overall health care budget.
• Address the need for long-term care insurance.

Supplemental Health & Long-Term Care Insurance

Whether you are an individual needing coverage or a business owner wanting to offer coverage to employees, we can help identify medical, dental and vision insurance options. We have relationships with a variety of carriers to help identify the right plan for your situation, considering coverage amount needed and budget. Just like the costs of all goods and services, insurance costs tend to rise over time with premiums and out-of-pocket expenses adding up. It’s prudent to review and assess coverage every so often to make sure these line-items are actively managed. We can help with:

• Assessing current policies.
• Identifying new options.
• Exploring various carriers.

Life Insurance

Life insurance can serve as a financial safety net to a surviving spouse and children when a loved one passes, potentially reducing or offsetting financial hardships during an emotional life transition. Funds can be used to pay off debt, medical expenses, a mortgage, funeral expenses or fund an education. Funds can also supplement existing resources left to survivors, giving them the opportunity to pursue other life goals and endeavors. We can help clients by:

Reviewing current policies to see if they are adequate and beneficiaries are current.

Explaining the pros and cons of various policies, such as whole-life and term insurance.

Finding a suitable policy for your situation, goals and budget.

401(K) Planning

Many people work at multiple companies over the course of their careers. When changing jobs, people often forget to move or rollover their retirement funds, creating a trail of unmanaged accounts left behind. We can help gather up your accounts and explore strategies for repurposing those funds into new accounts that will serve your overall goals. Or, if you have been with the same employer for a while, we can review your 401(k) allocations to make sure it matches your risk tolerance and investment goals. Clients can rely on us to help with:

• Completing paperwork necessary to round-up forgotten accounts.



• Reviewing current 401(k) options to make sure allocations are aligned with client goals.
  

• Establishing IRAs and rollover accounts when deemed appropriate.



• Help SMBs set up their 401(k) and retirement offerings for employees.

How to Rock Your Old 401(K) & Avoid Surprise Tax Bills

As a taxpayer and saver, you’ve earned the right to see your savings grow in the most tax-efficient manner possible. Your biggest mistake? Doing nothing at all. Let’s write and rewrite until your retirement income is a perfect harmony, allowing you to rock on!