Financial Planning

Financial Planning Services in Phoenix, AriZona

Budgeting for Your Future

Are you a Millennial that wants to eventually retire early but first need to establish and fund a 529 college savings account to help your kids pay for college? Are you a Gen Xer who’s ready to start adjusting your investments and risk profile for that home stretch towards retirement? Are you a Baby Boomer that wants to make sure you can live comfortably, cover health care costs and be financially prepared if assisted living becomes necessary?

Budgetary needs are unique at each stage of life. There’s not a one-size-fits-all financial plan that works for everyone. Our financial planning team in Phoenix, Arizona listens to you, develop an understanding of your goals and help map out a path to get you there.

Financial Planning From Licensed Advisors in Phoenix Who Put Your Interests First

Investments
Risk Management Strategies
Tax Planning
Estate Planning
Benefits Planning

The mechanisms of our modern-day regulatory and financial environment have made it impossible to entirely separate estate planning, tax planning, financial planning and investment management. That’s why we’ve endeavored to bring professionals in each of those areas into the Fullerton Financial Planning in Phoenix fold. Let our financial planning team develop an all-inclusive plan that checks all the boxes and lets you sleep better at night.

Investments

Retirement savers in Phoenix have a diverse array of financial knowledge levels. Some people are well-versed in investments while others come to us with virtually no experience in investment management.

The goal of our financial planners is to provide invaluable guidance tailored to your existing knowledge level. We give experienced investors second opinions and help them hone and execute their personal investment strategy while giving clear, easy-to-understand information and guidance to people who have little or no previous investment experience.

Whether you want to diversify your investment portfolio and rebalance your asset mix to align with your preferred risk tolerance or you’re looking for help starting an investment portfolio from scratch, Fullerton Financial Planning in Phoenix can help.

Risk Management Strategies

There’s virtually nothing in life that’s entirely risk free, but there are ways to insulate and shield yourself from many avoidable risks. You can get car and house insurance, eat healthily and establish an estate plan to eliminate risk in your personal life; and there are equivalent actions you can take to manage risk in your investments and retirement plan.

However, eliminating risk is just one side of the coin. Some Phoenix investors, especially younger ones, may want to adopt an aggressive strategy with precisely calibrated risk, not reckless risk.

The team at Fullerton Financial Planning in Phoenix know risk and have extensive experience customizing portfolios to maintain the right balance for your risk tolerance preferences.

Tax Planning

Growing and safeguarding investments and nest eggs is the goal of nearly every client we work with in the greater Phoenix area.

Most people we help have worked and saved for decades to provide themselves with a comfortable retirement that allows them to pursue the lifestyle they’ve dreamt of for their entire career. Others are most interested in passing on what they’ve built to their loved ones or a cause that’s near and dear to their heart.

Virtually no one we serve has put in a lifetime of effort and sacrifice with the explicit goal of lining the government’s pockets.

Our estate planning, tax planning and financial planning professionals excel at developing and implementing smart and informed tax planning strategies that legally minimize your tax burden.

How you approach tax planning may vary based on your desires, whether that’s passing on your wealth to future generations without steep estate taxes, accessing quality memory care without emptying your savings first or making full use of a lower capital gains tax rate.

We tailor tax plans based on your unique situation and goals to maximize your tax savings. You’ve worked hard for your retirement savings, and you should get to keep as much of it as is legally possible.

Estate Planning

There’s more to estate planning than a last will and testament. Many estate planning tools, like a well-crafted trust, can even be used while you’re still relatively young to minimize your tax burden during your working years. There’s also significant overlap between estate planning tools and retirement investments and supplemental income sources, like annuities.

At the very least, you want your investment managers and retirement planning professionals to understand your estate plan and consider your desires when developing your retirement savings strategies.

At Fullerton Financial Planning in Phoenix, we employ experienced in-house estate planning professionals, so your investments and estate plan are interwoven for maximum synergistic benefits.

Benefits Planning

Benefits planning is the process of optimizing the benefits you’re entitled to receive in retirement, and there’s far more to benefits than just signing a form and cashing checks.

Many retirement savers feel understandably overwhelmed by the convoluted rules and strict regulations that dictate when and how they can access these benefits. Understanding the timing of these benefits and how to maximize them isn’t easy, even for retirement savers who excel at managing their own finances and investments.

Our financial planning experts in Phoenix help clients understand their benefits so they can make informed choices about how to get the most out of the benefits they’ve earned.

Get the Most Out of Your Financial Planning in Phoenix

Whether you're planning for retirement, looking to grow your wealth or want to safeguard your assets for future generations, our financial planners are here to help. Get in touch with us today by calling (623) 974-0300 to schedule a no-obligation consultation and discover how our financial planning services in Phoenix can help you secure your financial future.