146 Lower Way Road
Our overall strategy begins with a careful understanding of your financial goals and objectives and an assessment of your risk tolerance. We then design a comprehensive and individualized "MoneyEdge" written analysis that includes protection management, investment strategy, and legacy planning.
Our strategy may include the following products or solutions: Investments (Rollovers, Retirement Planning, College Planning, Tax Exempt Investing, Lifetime Income), Term Life Insurance (which includes traditional death benefit and/ or accelerated living benefits), Disability Insurance, Identity Theft and Restoration protection, and Long-Term Care Insurance and planning.
Our only loyalty is to you, our client — not to any company, product or manager — and we will recommend adjustments when it is deemed beneficial to you.
Unlike other financial services firms who prefer to charge "YOU" fee based programs (every year), we operate on a transactional basis. Freedom For Living and our independent representatives get compensated by the firms who you choose when and only when we find the proper solution for you! That means less of your hard earned dollars going to management fees, which corresponds to more of your money working for you! This approach is very unique in our field! And that is just one reason how we have separated ourselves from the competition - we can customize just about any program to fit your needs.
There's more to asset management than picking and choosing stocks, bonds and mutual funds. Effective asset management is an ongoing, adaptable, hands-on process that ensures every investment decision is in line with your risk tolerance and financial aspirations. Whether you're planning for retirement, needing an income stream from your investments or investing for a child or grandchild's education, you want a professional that understands your family's needs and cares enough about your goals to help you achieve them.
We strive to listen to our clients individual goals and work within their risk tolerances to tailor a financial program designed specifically for them.
We do this by:
Protecting the assets you already have is just as important as providing positive returns. We believe in being proactive in our client's portfolios and taking defensive positions during volatile market and economic times.
We take tax implications into consideration while designing a program to fit your needs.
Using investments that focus on lower expense ratios, allowing our clients to keep more of what they earn.
We use a mix of internal and external resources to provide us with timely and pertinent information regarding ever-changing market and economic conditions.
When our clients invest their money, they are not "investing in" Freedom For Living. We do not have a brokerage account where we trade on your behalf. We never handle your investment dollars directly. When our clients invest their hard earned money, they are investing with investment firms we represent. We focus on service and financial coaching.
*Neither Cambridge Investment Research, Inc., or Freedom for Living offer tax advice.