Stull Financial 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 
     
  • 30  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

Stull Financial brings a unique approach with our proprietary system.  We have a five step process through which we lead our clients.

  1. Your initial contact with Stull Financial is a casual conversation of introductions.
  2. We have our first meeting and discussion.  We use our Profiles+™ Professional Analysis and risk profile questionnaire to better understand you.
  3. We prepare a detailed analysis of current positions and create a picture of who you are and what your needs are.  We also prepare our initial recommendation.
  4. We meet with you to present our analysis.  Depending on the complexity this may occur over a couple of meetings.  We present our analysis of current positions, our recommendations, and our "transition Plan" showing how you will get from one position to the next.
  5. We meet to review final questions and schedule ongoing meetings, which can occur as frequently or infrequently as you would like.

  What are some of the tools we use to help you fulfill your dreams and goals?

 Structural Tools 

      1. Business Structures 

  • Corporations
  • Partnerships
  • Limited Liability Companies
  • Management Companies

      2. Qualified plans 

  • 401K Plans 
  • Profit Sharing Plans 
  • Pension/412(e)(3) Plans 
  • Simple Plans 
  • IRAs  - both Roth & Regular IRAs

      3. Non-Qualified plans

  • 401K overlay plans 
  • Deferred compensation plans 
  • Section 162 plans 
  • Split Dollar plans 

      4. Trusts 

  • Revocable living trusts 
  • Asset protection trusts
  • Charitable remainder and charitable lead trusts
  • Survivorship stand-by trusts
  • Irrevocable life insurance trusts        

  •  Financial Tools *

       1.   Separately managed accounts - (for balances over $150,000)

       2.   Mutual funds

       3.   Real Estate Investment trusts (REITS)

       4.   Tax Deferred Annuities with guaranteed lifetime income streams**

       5.   Immediate Annuities

       6.   529 Plans - for college education funding

**Guarantees are based upon the claims-paying ability of the issuer

Risk Management Tools

       1.   Permanent Insurance 

                  Universal Life with death benefit guarantees to age 120

                  Variable Universal Life*

       2.   Term Insurance

       3.   Disability Insurance

       4.   Disability Business Overhead Coverage

       5.   Disability Buy-Out

       6.   Long Term Care Insurance

       7.   Health Savings Account Plans

Meeting or exceeding your expectations is our goal in soundness of the Plan, in service, in expertise, and in implementation of the Plan.