Financial Planning & Wealth Management
We are passionate about honoring our clients’ individual goals and preferences. Our goal is to preserve and grow their assets so that retirement goals are addressed and a legacy is passed on to their loved ones. We hold ourselves to the highest levels of integrity and accountability to ensure that we are doing our absolute best for each and every one of our clients.
Risk Number®
The Risk Number is the first ever way to objectively pinpoint individual investor risk tolerance.
History & Bio
Laff Financial has helped many people just like you pursue their individual financial objectives.
Our Process
We do our best to educate our clients and take the mystery out of investing, insurance, and preserving wealth.
Take Control of Your Financial World
Connect all your accounts and information in one secure site!
The WealthVision personal finance portal is available free of charge to our valued clients. WealthVision is powerful technology developed to provide you with interactive wealth management tools. In the past, people have completed financial plans which reflect their financial situation at a particular point in time. Knowing that life is changing, we will now use a system which tracks and monitors your financial plan on a daily basis.
We strive to provide knowledgeable and strategic advice, to ensure our clients can make informed investment and lifestyle decisions. WealthVision is a personalized planning tool and will assist us in making these decisions, by maintaining up-to-date and accurate financial information.
our financial planning process
A CONVERSATION
to get to know you and understand your goals and objectives. This is an important conversation to establish a foundation for the relationship. Any initial questions or concerns will be discussed free of charge.
GATHERING INFORMATION
on important data for analysis such as investment statements, tax returns, insurance policies, etc. In addition, we run through an exercise to determine your own unique level of risk tolerance using the risk number method.
ANALYZE
the data to determine if you are on the appropriate path to pursuing your goals and objectives. This includes measuring the risk within your current investment portfolio and financial plan, then stress testing them under unexpected financial variables, whether they are positive or negative.
RECOMMENDATIONS
and specific action items regarding your plan and investment portfolio are discussed. We will visually review the stress test results of both the current and recommended plans and portfolios. We work with and provide references to qualified professionals as needed, i.e. CPAs and Estate Planning Attorneys.
IMPLEMENTATION
of the plan when agreed upon. Our goal is to do all we can to ensure transactions and transitions are executed promptly and smoothly. This is an important step in the planning process, a plan is only as good as its implementation.
MONITORING
your investment portfolio and financial plan, adjusting and rebalancing it to accommodate ever changing economic and personal circumstances. This involves regular review meetings throughout the year. We find in our industry that this step is often neglected.
Common Wealth Management Issues
A financial planner needs to be aware of all areas of your wealth and the many aspects that impact it so that nothing is missed and everything works in concert. We not only have in depth knowledge of financial planning and investment management but we also bring in other professionals with the necessary expertise to provide you with a comprehensive wealth management plan.
- Investment Planning
- Retirement & Income Planning
- Education & Family Support
- Estate Planning Distribution
- Planning for Incapacity
- Risk Management
- Insurance Planning
- Executor & Trustee Selection
- Beneficiary Designations
- Business Succession Planning
- Banking & Credit Management
- Charitable Giving
- Executive Compensation
- Tax Planning