Broker Check

Professional Retirement Planning Services Tailored Just for You

Experience the boutique feel of Premier Financial. Our commitment to an exceptional client experience goes beyond traditional financial planning. We believe in a comprehensive approach that considers every aspect of your financial life. Whether you are in the middle of a successful career or are near or in retirement, we are dedicated to offering recommendations that truly benefit you. We operate with transparency and integrity, ensuring that every recommendation aligns with your unique financial goals.

Retirement Income Planning

At Premier Financial, our approach to retirement planning is not just about numbers on a screen; it's about transforming those figures into a tangible lifestyle. Led by Andy Howard, our seasoned team ensures that every retirement plan is a personalized roadmap to your financial goals.

Unlike the one-size-fits-all approach, we pride ourselves on our Tailored FORMula, a unique process designed to fit your individual needs and evolve with you.  From the initial meeting, our team takes the time to understand your risk tolerance, liquidity preferences, growth goals, and desired safety and security levels. We don't preach; we listen. Your plan is uniquely designed to reflect your priorities and aspirations.

Detailed Cash Flow Analysis

Our retirement plans go beyond generic advice. With a meticulous cash flow analysis, we provide a clear understanding of your financial landscape. This analysis lays the foundation for a comprehensive strategy, turning your accumulated assets into a steady income stream.

Strategic Asset Allocation for Long-Term Success

Crafting a strategic asset allocation plan, we ensure your investments are strategically aligned with your long-term goals. We go beyond the standard, seeking to optimize your returns while minimizing risks.

Holistic Portfolio Analysis

We’ll do a deep dive into a portfolio analysis, where we examine your investments with precision. This goes beyond tracking market trends – we identify opportunities for growth and stability, ensuring your portfolio aligns seamlessly with your retirement objectives.

Social Security Maximization

Social Security Maximization

Determining the optimal time to start receiving social security benefits is a critical decision. Premier Financial conducts a comprehensive breakeven analysis tailored to your unique circumstances. We help you understand the trade-offs between starting earlier at a reduced rate and delaying for potentially higher benefits. We consider factors such as your health, life expectancy/family longevity, and overall retirement goals to recommend a strategy that aligns with your needs. 

 

Our goal is to empower you with insights that align with your financial goals and maximize the overall value of your social security benefits.

Portfolio Design

Portfolio Design

At Premier Financial, we understand that a well-designed portfolio is the cornerstone of a successful financial future. Our journey begins with a comprehensive analysis of your existing portfolio, evaluating the performance, risk exposure, and alignment with your financial objectives.

 

Our team stays on top of market trends, economic indicators, and potential opportunities. This commitment to ongoing research ensures that your portfolio benefits from the latest insights and strategies, supporting well-informed decision-making.

Tax Analysis*

Tax Analysis*

Your aspirations guide us. Our holistic approach to a tax analysis is an integral part of our commitment to optimizing your financial situation. Our experts go beyond the basics, developing personalized income tax reduction strategies tailored to your unique financial circumstances. We delve into sophisticated investment tax reduction strategies, aligning your investments to minimize tax burdens and maximize returns.

Financial Estate Strategy Design*

Financial Estate Strategy Design*

When it comes to leaving your legacy behind we don't just crunch numbers; we weave stories of financial legacy. We conduct a detailed audit of your financial estate and life insurance policies to see if they align with your evolving needs. We will review and adjust beneficiaries for life insurance, retirement accounts, and taxable accounts because it's not just about leaving behind wealth; it's about preserving the essence of your unique journey.

Charitable Planning

Charitable Planning

Charitable Planning is more than a financial decision; it's an opportunity to create a lasting legacy and contribute to causes that matter to you. With our expertise, we help you navigate this philanthropic journey, making your charitable efforts impactful and aligned with your broader financial objectives.

*For specific tax or estate planning advice, please consult a qualified tax advisor or estate planning attorney.