Services
With over 50 years of industry experience we have you covered.
Financial Planning
Imagine knowing how decisions you make today might affect your life in 5, 10 or 20 years down the road. We use state of the art technology and proven planning strategies to help you achieve your goals. Our holistic approach involves taking the time to know you, the details of your financial life, and working with you to discover what you are trying to accomplish. We then paint the picture of your future and help light the way for your financial journey.
Wealth Management
In a world where technology is quickly evolving it is more important than ever for financial advisors to be relevant and differentiate themselves. We are harnessing the newest technologies to create a fantastic client experience and marrying that with sound coaching and advice. Our independent advisors can act as fiduciaries and will always put your interests first.
401k Services
We start with a holistic look at your company, it’s employees, and evaluate how well your 401k plan is meeting your needs. One question that is often overlooked is “Are your participants on track to retire comfortably?” If not, it could be a combination of many factors and we can identify areas for improvement. Our advisors will make this complicated field of fiduciary services, investment monitoring and plan design as simple as possible. What sets us apart is that we offer participants individualized investment advice and support above and beyond the 401k on topics such as college and estate planning. We strive to create a world class experience for both plan sponsors and employees.
Charitable Giving
What better way to support the causes you care about than to create a strategy to maximize the impact of your gifts. We help clients navigate the complicated waters of creating a legacy of giving and it is one of the most satisfying parts of our work. Our advisors specialize in creating and maintaining your charitable legacy via a private foundations, donor advised funds or 501(c)(3)s.
Risk Management
Naturally, anything that is important to us we want to protect. We help individuals and businesses do a comprehensive life insurance needs analysis so they can better understand any potential risks to their plan. We then help them evaluate and implement the appropriate protections with a custom tailored risk management strategy.
Windfall Planning
We work with clients who have a liquidity event to help them create a custom plan for their future. One of the most common things that happens to those who come in to a large sum of money is they end up spending it all within just a few years. We help clients with events like buyouts, business acquisitions, inheritance, lottery winnings, stock sales and more so they have a plan for lifetime success.
College and 529 Planning
With the rising cost of college it can be daunting to save for a child’s education. We help clients create savings plans for education and custom distribution plans to maximize the benefits of educational savings. The 529 is one of the most powerful and flexible vehicles to save for college and our advisors create custom solutions to fit the needs of each family.
Estate Planning
One of the first areas we help clients address is making sure they have a proper estate plan and living trust in place that is up to date and properly funded. There are many fantastic things that can be accomplished with good estate planning and we will work with your existing professional or connect you with one of the attorneys we work with. We also check to be sure your existing accounts and properties are properly titled in the name of your family trust.
Let’s Work Together
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses, summary prospectuses and 529 Product Program Description, which can be obtained from a financial professional and should be read carefully before investing. Depending on your state of residence, there may be an in-state plan that offers tax and other benefits which may include financial aid, scholarship funds, and protection from creditors. Before investing in any state’s 529 plan, investors should consult a tax professional. If withdrawals from 529 plans are used for purposes other than qualified education, the earnings will be subject to a 10% federal tax penalty in addition to federal and, if applicable, state income tax.
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC, to residents of: AL, AZ, CA, CO, DC, FL, HI, ID, IL, IN, MA, ME, MN, MO, NC, NV, NY, OH, OR, TX, UT, VA, WA. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge and Luminous Financial Group LLC are not affiliated.
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