Financial Solutions and Perspectives

Today, more than ever before, our financial future is in our own hands. Increasingly, retirement is something we, rather than our employer, must save for. And because we are living much longer, we must also save for a longer retirement than our grandparents ever dreamed of.

Few of us can fund our children’s college education out of current cash flow, as our parents did for us. Personal investing has become critical, while investments have become more complex. Expenses must be carefully managed to match income. No longer can we rely on a single employer to provide us with employment for our entire working life.

Clearly, personal financial planning — taking control of our financial lives...has become critical to every one of us, whatever our level of financial resources and income. Much of this financial management we can (and should) do by ourselves. But, sometimes the help of a professional financial planner can be advantageous.

You may need assistance of a Certified Financial Planner if:

• You feel money is in charge of you . . . and not the other way around.
• You don’t know where your money is coming from or going to.
• You don’t know whether you have enough for retirement.
• You have specific goals to save for, but you’re not sure how to proceed.
• You don’t understand investments.
• You lie awake at night worrying about bills. You have debt problems and need ideas for how to pay them off.
• You own a small business but don’t have a business plan or don’t have a plan for passing that business on to your family.
• You want to pass your estate on to your family with minimal taxes and minimal transfer costs.
• You've recently received a substantial financial windfall such as an inheritance and you want advice on how best to handle the funds.
• You'd like to share less of your wealth with Uncle Sam.
• You're not sure if you’ve got the right amount of life or disability insurance for your family.
• You may know what you want to accomplish, but you don't have the time, or the inclination — a professional financial planner may be the answer.

Putney Financial Advisors offers investment advice to clients seeking financial independence & estate preservation. Please visit our Financial Planning Website for more information.