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Premier Financial’s Proprietary Process

The Tailored FORMula

At Premier Financial, we've partnered with USA Financial to develop a streamlined consulting process called The Tailored FORMula. This unique approach ensures your financial plan is built specifically for you.

Our Tailored FORMula takes a collaborative approach, working to understand your goals, risk tolerance, and financial situation. We design a personalized investment plan considering your risk and liquidity needs, while educating you on your options. It’s important to our team that you’re involved throughout the whole process.

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Defined Benefit Plan (DB)

The Tailored FORMula includes the following: wealth management, risk management, cash and debt management, social security optimization, tax efficiency, retirement income planning, legacy planning, and value-added services.

Interested in how our Tailored FORMula can help you and your financial goals? Schedule a call with us today to get started.

Wealth Management

Our approach to wealth management goes beyond just investing. We get to know your goals, risk tolerance, and current situation to then design a personalized plan that considers investments, taxes, retirement, and even estate planning. Transparency is key for us and we’ll keep you informed and involved throughout the process.

Risk Management

We’ll help you navigate risk by understanding your comfort level around potential financial losses. Our strategy balances potential growth with safeguards, like diversification across asset classes and insurance products, to protect your assets and keep you on track towards your financial goals.

Cash & Debt Management

We can help you optimize your cash holdings through cash and debt management services. This involves understanding your short-term financial needs and goals, then recommending the best accounts to store your cash. We’ll also talk with you about how to maximize returns on that cash, how to establish monthly cash flow, and budget the right way.

Social Security Optimization

One question we often get is, when is it best to take Social Security? Does it make sense to take it early, late, or somewhere inbetween? We plan for Social Security in conjunction with the rest of your plan, looking at factors including family longevity, retirement date, income sources, and assets you’ve saved.

Tax Efficiency

We analyze your income, investments, and deductions to identify strategies that minimize your tax burden. Possible recommendations include tax-efficient investments, optimizing retirement account contributions, and planning for major life events to keep more money in your pocket (although every individual is assessed on a case by case basis to accurately help you and your tax planning needs).

Retirement Income Planning

We help you recreate your paycheck in retirement so you can maintain and enjoy your lifestyle in your retirement years. We strategize with you about the most tax efficient ways to take from your portfolio.

Legacy Planning

Legacy planning helps ensure your wishes for the future are met. We’ll work with you to understand your goals for wealth distribution, potentially involving trusts or beneficiary designations, while considering tax implications to maximize what you leave behind for your loved ones. We’ll also help you integrate your charitable giving into your overall financial plan if philanthropy is one of your goals.

Value-Added Services

We’ll go beyond investment management and offer a suite of value-added services to enhance your financial well-being. These services could include working with other professionals to help you navigate complex financial decisions, like tax optimization or financial estate planning, or providing educational resources to empower you with financial knowledge. We don’t mind being a sounding board and want to tailor strategies to meet your unique situation.

The Tailored FORMula puts you in control of your financial future with us guiding you along the way. Contact us today to schedule a consultation.

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Once you’re here, we will…

Discover

Our process begins with an initial Discovery meeting where our team gets to know you, your goals, and your objectives.

Design

We then have a Design meeting with you to tailor a plan, taking into account factors like Social Security optimization, risk tolerance, and asset positioning.

Deploy

In your first year, we prioritize clear communication with 12 to 24 touchpoints (including phone calls and meetings). This personalized approach ensures you grasp your plan, accounts, and beneficiaries—setting us apart with exceptional onboarding support.

Be Dynamic

Beyond crafting your plan, we become your financial partner. As your life evolves and your needs change, we'll be there to reassess your goals, adjust your plan, and ensure it continues to align with your evolving needs.

Book an appointment to learn more about your retirement options with one of our financial advisors today.

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