As the world becomes more complicated, your world gets more hectic and time consuming. Focusing on the cornerstones of life - you, family, work, and spiritual growth - is an all-consuming effort. Usually, one or more areas tend to be neglected and lacking or, at best, your efforts are inefficient and ineffective.
Although money management, is the means to your lifestyle, satisfaction and purpose in life, consciously or unconsciously, your time, effort, education and access just are not enough. You deserve better! Welcome to TFM!
To act in your best interest, the process of Total Financial Management™ or TFM allows us to understand your entire financial situation as well as, or better than, you. So a written, comprehensive and personalized financial plan is prepared. The document incorporates all your financial data as well as converting your goals and desires into measureable objectives.
TFM integrates your interdependent LifeLong™ Financial Strategies for money, risk, wealth, taxes and estate to uniquely provide tailored solutions to achieve your LifeStage™ Financial Objectives.
TFM provides trained and professional guidance, education, counsel, projections and specific recommendations plus helps implement your personal financial strategies. Then, because your life, laws, employment and risks constantly change, TFM regularly reviews and adjusts year after year to help you become more effective and efficient so you can focus on your cornerstones in life.
Money Concepts helps you protect, build, withdraw and transfer your wealth to your unique and special needs and desires by first customizing strategies and then tailoring products to fit those strategies. We immerse ourselves in your total financial situation – cash flow, taxes, risks, investments and estate planning – because this allows us to create a personal, comprehensive financial plan with the recommendations and implementation that is in your best interests.
Net Worth Analysis
Cash Flow Analysis
Projection of the Effects of Inflation
Mortgage Analysis/Reverse Mortgages
Tax Planning/Strategies
Benefits Analysis
Insurance Coverage Summary
Insurance Needs Analysis/Solutions
Accumulation Goal(s) Strategies
College Education Funding
Retirement Needs Analysis
Retirement Income Planning
Net Unrealized Appreciation (NUA)
Risk Assessment
Investment Analysis
Wealth Management
Estate Planning Analysis
Estate Planning Recommendations
Entity Evaluation
Cash Flow Analysis
Tax Savings Analysis
Business Valuation
Equity Protection Strategies
Business Risks Evaluation
Employee Benefit Analysis/Solutions
Key Employee Retention Options
Maximizing Executive Benefits
Medical Insurance Cost Strategies
Business Performance Measurements
Business Continuity Strategies
Owner Exit Strategies
Buy-Sell Agreement Strategies
Managing Exit Tax Liabilities
Other
Financial Position
Education Planning
Charitable Gifting
Family Gifting
Accumulation Planning
Stock Option Exercise Analysis
Pre-Retirement Planning
Retirement Planning
General Estate Planning
Year End Investment Tax Evaluation
Business Plan Preparation
Other by Request
The following financial products are available through Money Concepts from a variety of third party financial companies. Products are recommended based on your specific financial situation and needs. Money Concepts does not have proprietary financial products and is not affiliated with other financial firms that offer these products. This list is not comprehensive and is subject to change.
Checking
Online Bill Paying
Certificate of Deposits
CDAR’s
Foreign Certificate of Deposits
Money Market
Municipal Money Market
Money Market Funds
Government
Inflation Protected TIPS
Corporate
Mortgage Backed
Municipal GO
Municipal Insured
Municipal Other
Floating Rate
Convertible
Structured Notes
Structured CD’s
Global
Common Stocks
Preferred Stocks
High Dividend Stocks
American Depository Receipts (ADR)
Mutual Funds
Exchange Traded Funds (ETF)
Closed End Funds (CEF)
Unit Investment Trusts (UIT)
Managed Accounts
529 College Savings Plans
Alternative Investments
Oil/Gas Master Limited Partnerships (MLP)
Equipment Leasing
Real Estate Investment Trusts (REIT)
All securities through Money Concepts Capital Corporation. Member FINRA/SIPC
Fixed
Indexed
Variable
Deferred
Immediate Income
Medicaid Qualified
Annuity/Long Term Care
Longevity Annuity
Term Life Insurance
Whole Life
Universal Life
Variable Universal Life
Survivorship / Dual Life
Multi-Purpose
Employee Benefit IRC 79t
Key Person
Executive
Buy - Sell
Split - Dollar
Premium Financed
Life Settlement
Life/Long Term Care
Private
Supplemental
Short Term – Long Term
Business Overhead
Specialty
Medical / Executive
Partnership LTC Insurance
Employer Benefit LTC
Multi Purpose Insurance
Temporary
Individual
Small Group
PPO
HMO
Health Savings Account
Cancer Supplemental
Medicare Supplemental
Important Investing Information: Not all investments and services mentioned are available in all states. Money Concepts registered representatives are restricted to conduct business only with residents of a state and/or jurisdiction for which they are properly registered. When investing from outside of the United States, you are subject to the securities and tax regulations governing your jurisdiction. Contact us directly for detailed information about investment regulations outside of the United States. Registered Representatives State License Disclosure