Services

Financial Planning

 (see our 3-E Model to Advising Women for Women-specific services)

• Organization of your financial life, through the creation of a personalized financial plan
• Review of alternatives and assistance with implementation of the plan
• Annual financial checkup and monitoring of the financial plan

Wealth Management Services

• Design personalized portfolios to meet your needs
• Review and evaluate your investment performance, update your overall financial objectives and if necessary, reallocate your portfolio as agreed upon by you
• Year long, continual monitoring of investment performance
• Financial advice

Retirement Income & Distribution Planning

• Analysis of your income needs now and in the future
• Continual development and implementation of recommendations to fund your income needs and help maintain a  comfortable standard of living
• Recommendations regarding distribution strategies for your retirement plans

Business Owner Services

• Review of company retirement plan to determine if you could benefit from switching to another type of plan and/or provider
• Creation of retirement plan proposal in conjunction with plan provider and third party administrator
• Review investment options with plan sponsor and determine investment fund lineup
• Assistance with employee enrollment or transfer of assets from prior plan
• ERISA mandated education for employees

Risk Management

• We assist our clients in obtaining the following types of insurance: Life Insurance, Disability Insurance and Long-Term Care Insurance.  Should you need other types of insurance (health, auto, home, liability), we can refer you to another competent insurance agent.
• Review of  your insurance needs and objectives
• Obtain and review insurance policy quotes and options
• Annual review of your insurance coverage to help determine if current coverage is sufficient

Family Wealth Planning*

• Analysis of your current estate plan and concerns
• Assistance in transferring assets to your Living Trust or other trusts
• Providing guidance with the appropriate and necessary steps in the event of the death of a loved one
• Referrals to trusted estate planning attorneys who can draft the documents for you
• Beneficiary reviews

Cash Flow Management

• Analysis of your current income and expenses to determine how to decrease expenses and increase savings
• Identification of your goals and values
• Access to web-based software for future scenario planning

Client Services and Communications

• Exceptional customer service.  Our staff is committed to returning phone calls and emails within a timely manner.
• Client communication and education opportunities
• Monthly e-newsletters to keep you apprised of current events and topics affecting your financial life
• Informational conference calls on topics to help you reach your financial and lifestyle goals
• Informational brochures on a wide variety of topics

* Neither Cetera Advisors or its registered representatives provide legal or tax advice.  Registered Representatives of and Securities and Advisory Services are offered through Cetera Advisors LLC, member FINRA / SIPC.  Cetera Advisors is unaffiliated with Beverly Financial Group, Incorporated.