We take great pride in developing strategies to effectively plan for our clients’ financial needs. We demonstrate the same care and concern regardless of an individual’s financial status. As an independent firm, we are able to utilize a full range of products and services offered through numerous financial institutions. This approach gives us unbiased access to identify strategies and products to plan objectively for your needs.
Financial Independence Network was established with a clear vision… To help our clients meet or exceed their financial goals. For nearly a quarter of a century, we have been designing financial portfolios to help meet our clients’ desired standard of living now and throughout their retirement years.
There are some things in life we cannot control. However, there are factors that we can effectively plan for. With this in mind, we have created our proprietary T.E.A.M. model.
T – TAXES – Although we cannot control changes in the tax code, we can create streams of income through the use of several tax-preferenced accounts. We incorporate tax portfolio strategies to enhance the overall net returns of your invested assets.
E – EXPENSES – Most people are unaware of charges that negatively impact the overall net return on their investment accounts. Hidden fees in traditional investments like mutual funds, in addition to high advisory fees may substantially reduce your net earnings. Our advisory fees are less than half the national average, and we utilize products and services that substantially reduce costs. Basically, more money saved on expenses is more money going to work for you to help achieve your goals.
A – ASSETS – We believe in creating portfolio options that incorporate several pools of assets that can be drawn from to help minimize the impact of adverse economic conditions that may arise throughout your retirement years.
M – MORTALITY – No one can predict the future. Therefore, we design the basic needs or flooring portion of a client’s retirement portfolio with income streams that they cannot outlive.* Our goal is to utilize products that will adjust with inflation or market performance to assure a client maintains their standard of living throughout retirement years.
FIN retirement portfolios incorporate all three retirement-income planning methodologies:
Flooring Approach, Systematic Withdrawal Approach, The Bucket Approach *Please see our Retirement Planning
*GUARANTEES ARE BACKED SOLELY BY THE FINANCIAL STRENGTH AND CLAIMS PAYING ABILITY OF THE ANNUITY COMPANY