We Offer Personal Financial Planning Services

We Offer Personal Financial Planning Services 150 150 Bernstein Financial Services

We offer six essential categories of personal finance planning. We strive to communicate with our clients all year long, so they can work toward security and a debt-free life for their families. 

Cashflow Planning – A cashflow plan is the bedrock of your financial strategy. It’s not about budgeting or stripping your life down to the basics. Rather, it’s about forecasting and using your money in a smart way. Without cashflow planning, you won’t be able to plan any of the areas below. The goal is simple: compare your family’s income with its expenses in order to achieve a debt-free life. We will walk you through these first fundamental steps, creating the foundation of your financial management. 

Insurance Planning – Life comes with many surprises, many of which might not be positive. When these happen, you want to keep yourself and your loved ones protected from the consequences. And there’s no better way to do it than with insurance. Our experienced teammates can consult with you about various types of insurance, including life, long-term care, health, umbrella, overhead, and disability insurance. 

College Planning – We show our clients how to use savvy tax strategies to save for college. In doing so, our clients teach their kids the power of saving and investing for the future. If you start while your children are still young, you can buffer one of the highest expenses that you’ll encounter in your life.

Retirement Planning – The last thing you want is to spend your retirement barely getting by. After decades of hard work, you deserve to live an enjoyable and exciting life as a senior. Let’s dive into your retirement plan. We’ll explore pre-tax pension plans, quarterly investments, and estimate how much you’ll need to retire as a senior.

Estate Planning – Estate planning protects those around you from the consequences of unpredictable tragedies. The last thing you want is to make an unfortunate event harder for your loved ones. Careful estate planning can do wonders for saving taxes, as well. 

Tax Planning – We do everything in our power to help our clients bring their tax burden to a minimum. Having a firm grasp on your taxes is an effective way to save a lot of money in the long run.

All of our clients receive a free copy of our eBook, “The Ultimate Guide to Planning Your Personal Finances”