Planning Services

At Journey Capital Associates, we offer a custom, individually tailored approach to provide our clients with the most productive and appropriate financial planning services, including but not limited to retirement income planning, college fund planning, long-term-care, life insurance/ estate fund planning, etc.

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please consider scheduling a consultation with us to learn more about the ways we can assist you. We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

We offer personalized, hands-on service and take the mystery out of investing by educating our clients about financial concepts and products such as insurance, estate conservation, and preserving wealth.

LIFESTYLE

Creating a life map involves a close review of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future, and many other items in an effort to help an individual “enjoy the journey.”

RETIREMENT

Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security, and personal savings and investments are expected to play a role. Once you have estimated the amount of money you may need for retirement, a sound approach involves taking a close look at your potential retirement-income sources.

TAX

Understanding tax strategies and managing your tax bill should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

MONEY

One of the keys to a sound financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money management approach involves creating budgets to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.

INSURANCE

Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance, and life insurance.

ESTATE

Effective estate management enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they're carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so.

A separate Planning and Consulting Agreement is executed for planning services. Additional time required for CPA or attorney meetings as part of tax and legacy planning, and meetings requiring travel out of the area, etc., may require an additional fee.