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!

 

Total Financial Management (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.

 

Services

 

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.

 

Personal / Family Financial Planning

 

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

 

Small Business Owner Financial Planning

 

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

 

Issue Planning Services

 

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

 

Non Proprietary Financial Products

 

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.

 

Banking

 

Checking

Online Bill Paying

Certificate of Deposits

CDAR’s

Foreign Certificate of Deposits

Money Market

Municipal Money Market

Money Market Funds

 

Bonds

 

Government

Inflation Protected TIPS

Corporate

Mortgage Backed

Municipal GO

Municipal Insured

Municipal Other

Floating Rate

Convertible

Structured Notes

Structured CD’s

Global

 

Equities: Domestic U.S.

 

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

 

Annuities

 

Fixed

Indexed

Variable

Deferred

Immediate Income

Medicaid Qualified

Annuity/Long Term Care

Longevity Annuity

 

Life Insurance

 

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

 

Disability Insurance

 

Private

Supplemental

Short Term – Long Term

Business Overhead

Specialty

Medical / Executive

 

Long Term Care (LTC) Insurance

 

Partnership LTC Insurance

Employer Benefit LTC

Multi Purpose Insurance

 

Health / Medical Insurance

 

Temporary

Individual

Small Group

PPO

HMO

Health Savings Account

Cancer Supplemental

Medicare Supplemental