Advising
People change. Financial needs change. Our commitment to adapting and evolving with you never does.
The thorbahn Financial Fitness team can assist with:
Executive Benefits
In today's competitive environment, attracting and retaining top executives is more difficult than ever, and demands creative solutions. Executive benefits may offer your best employees a higher level of benefits and compensation along with significant tax advantages. Our team understands the most effective strategies for implementing traditional deferred compensation plans, executive bonus plans, supplemental disability, and corporate owned life insurance.
Retirement Income Planning
With the decline in pensions over the last 10 years the individual investor is challenged with the task of converting their 401(k) assets into an income stream. Our advisors work with clients to establish a retirement income stream that will provide growing income that will outpace inflation and last through your retirement.
Portfolio Construction
Using our proprietary analytical tools we constantly search the investment universe for the highest quality securities. All individual stocks, bonds, and mutual funds, are subjected to a rigorous screening process. Once they are deemed to be appropriate for our clients our advisors build customized portfolios to reach each client’s specific needs.
Estate Planning
Estate planning is a process involving the counsel of professional advisors who are familiar with your goals and concerns, your assets and how they are owned, and your family structure. It can involve the services of a variety of professionals, including your lawyer, accountant, banker and broker. We work with your chosen professionals to make sure your assets pass on exactly how you want them to.
Financial Organization
The Financial Fitness team works with each client to generate a document that consolidates all of your pertinent information. In a time of crisis we are able to assist our client’s family with names of important contacts and locations of important documents. Our goal is to have a centralized location for your will, trust, and deed to the house as well as phone numbers for your doctor, lawyer, life insurance company, bank, and employer, just to name a few.
College Planning
With college tuition going up every year our clients are looking to start saving for their children’s college earlier than ever. We develop specific accounts to help clients save for college tuition, typically 529 plans. A 529 college savings plan is a very simple way to save money for your kids' (or anyone else's) college education. The benefits are tremendous.
Budgeting
A budget is an itemized summary of probable expenses and income for a given period. Or, you may prefer to think of it as a way to keep from running out of money before the end out of the month! No matter how you refer to it, it’s a tool to help you prioritize your spending and manage your money. We can help you develop a personalized budget, and take control of your monthly cash flow.
