Our Services
"Helping People Make Smart Choices About Their Money" Individuals and families have many important and critical financial decisions to make during their lives, such as:
- what assets should I invest in and what proportion should be invested in each asset class?
- how much do I need to save and invest each year?
- what type of retirement plan should I set up?
- how do I create a retirement distribution plan so I do not run out of money?
- how do I communicate my legacy to my heirs?
- how much do I need to save for my children's college education and what is the best vehicle?
- how much insurance should I carry, and what type of coverage's are needed?
- should I make gifts to my children or grandchildren now?
- how can I reduce my income tax exposure and estate tax expenses?
What Do We Bring To The Process?
- A caring attitude
- 32 years of experience in providing financial services
- An objective, analytical approach
- An extensive knowledge of financial tools and strategies
- The resources of major financial institutions
- A network of seasoned professionals
What results might you expect?
- A more organized life
- Peace of mind that things are taken care of
- A focused direction
- Protection of assets
- A reduction in risk
- A greater sense of security
- An ongoing legacy
What steps must you take?
A Five Step process The Stull Financial Group brings a unique approach. We have a five step process through which we lead our clients.
- Your initial contact with The Stull Financial Group is a casual conversation where we cover 10 Discovery Questions. At that meeting, we also introduce The Circle of Wealth System™ and the CCP (Client Communication Profile) to help you and your spouse discover how you process information.
- Secondly, we go through the Confidential Questionnaire to better determine how you can reduce lost opportunity costs, interest paid out and taxes so you can better meet your goals and objectives.
- Thirdly, we present our analysis of current positions, our recommendations, and our "Transition Plan" showing how you will get from one position to the next.
- Fourthly, we decide together on a schedule of implementation of the desired changes.
- Fifthly, We monitor your positions with quarterly or semi-annual reviews and make adjustments as needed.
What are some of the tools we use to help you fulfill your dreams and goals? 1. Private Reserve Strategy 2. Personal Banking 3. Business Structures
- Corporations
- Partnerships
- Limited Liability Companies
- Management Companies
4. Qualified plans
- 401K Plans
- Profit Sharing Plans
- Pension/412(e)(3) Plans
- Simple Plans
- IRAs - both Roth & Traditional IRAs
5. Trusts
- Revocable living trusts
- Asset protection trusts
- Charitable remainder and charitable lead trusts
- Survivorship stand-by trusts
- Irrevocable life insurance trusts
6. Mutual funds*** 7. Separately managed accounts - (for balances over $150,000)*** 8. Real Estate Investment Trust (REITS)*** 9. Tax Deferred Annuities with Guaranteed lifetime income streams** 10. Immediate Annuities 11. 529 Plans - for college education funding*** **Guarantees are based upon the claims-paying ability of the issuer 12. Risk Management Tools a. Permanent Insurance - (death benefit guarantees to age 120)* b. Term Insurance c. Disability Insurance d. Disability Business Overhead Coverage e. Disability Buy-Out f. Long Term Care Insurance g. Health Savings Account Plans *Provided that all premiums are paid in accordance with the policy’s no-lapse provisions. Policy distribution may effect the no-lapse guarantee. ***Securities and investment advisory services offered exclusively through HTK. Meeting or exceeding your expectations is our goal!
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