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Personal Planning
Financial Planning
Investment Management
Insurance Solutions
Financial Planning
Reaching the Retirement Summit with the ARC Process™
Like mountain climbing, financial planning begins with the goal of reaching the summit. The key to achieving that goal is planning and preparation. Our unique ARC Process (“Achieving Retirement Clarity”) lays out a clear path for accumulating assets for retirement. It explores three important checkpoints:
- Cash Flow Management: How your financial resources are earned, spent and saved.
- Wealth Accumulation: Assesses your current financial position and identifies the most tax efficient path for reaching your retirement goals and other needs such as education funding.
- Income Protection: Identifies solutions to those obstacles that can prevent you from reaching your financial goals – living too long, dying too soon, or becoming disabled.
Watch our video to learn how you can achieve clarity and peace of mind while building your retirement fund.
Reaching the Summit and Returning Safely with the RISK Process™
While climbing to the top of a mountain is considered to be a major achievement, the real goal of climbing is not simply to reach the top, but to reach the top and return safely. Most people focus on accumulating enough assets for retirement. However, the biggest risks facing retirees occur during the income distribution phase when we retire and begin to live on our retirement savings.
Our unique RISK Process™ (“Retirement Income Survival Kit”) simplifies the complexity of post-retirement planning and guides you through our effective, time tested approach which:
- Transitions your retirement savings from traditional asset allocation to income allocation
- Determines your sustainable withdrawal rate throughout retirement
- Addresses the key risk factors you face in retirement including market conditions, sequence of returns, inflation, liquidity, longevity, taxation, health, and legacy risks
Watch our video to learn how you can achieve clarity and peace of mind while building your retirement fund.
Investment Management
Balancing the Need for Safety and Performance in Line With Your Personal Objectives and Situation
We firmly believe that crafting an optimal investment strategy is absolutely crucial for any financial plan. History has shown that interest-generating investments like cash and bonds provide a wonderful stability of principal. However, they may offer limited potential for long-term growth, given their vulnerability to interest rates and inflation. On the flip side, equity investments have consistently delivered significantly higher expected returns, making them incredibly exciting, but vulnerable to severe volatility risks.
But fear not! We champion a BALANCED APPROACH that makes the journey of balancing safety and performance an exhilarating one. We utilize a plethora of investment platforms that seamlessly merge traditional and alternative strategies. This approach allows us to tailor the perfect investment strategy just for you, while answering important questions such as:
- Am I taking just the right amount of risk with my investments?
- Are my assets cleverly divided into various buckets to cater to different goals and varying time horizons?
- Are my investments dancing around unnecessary taxes?
- Are my accounts being elegantly rebalanced to keep me within my risk parameters?
The structure of your personalized portfolio is like a beautifully crafted masterpiece, influenced by numerous factors such as your current stage in the financial life cycle, your risk tolerance, and your investment time horizons. In this delightful manner, we manage your money with an equal emphasis on the art of risk management and the science of investment performance. It’s a thrilling journey to be on with you!
Watch our highly animated video to discover which investment strategy is right for you!
Insurance Solutions
Making the Most of Your Insurance Portfolio
Prepare to embark on an exhilarating journey! Many people are unaware that the life, disability, and long-term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance products. When you initially acquired these policies, you might have made certain assumptions about policy charges, interest rates, planned premiums, and other issues. However, life is a constantly evolving and exciting adventure. The original reason for your purchase may still stand, but your needs may have evolved, demanding more or less coverage. That’s why we encourage you to regularly review all of your personal and business insurance coverages.
A Versatile Multi-purpose Planning Tool
Two critically important aspects of financial planning involve managing risk and transferring wealth to the next generation. In many instances, the tax advantages of life insurance make it an electrifying and preferred vehicle for purposes such as:
- Igniting income replacement for your family and business
- Propelling family and business wealth to future generations
- Generating supplemental tax-free income for your dream retirement
- Powering up your business strategies with buy-sell agreements and deferred compensation programs
- Elevating your charitable giving to new heights
Optimizing Your Insurance Investment
At Demboski & Chapman, we’re here to make your insurance journey a thrilling and seamless experience. Whether you are evaluating existing coverage or seeking new insurance, we employ several proprietary processes to:
- Guide you towards the type of policy that perfectly aligns with your current needs (Life Assurance 360)
- Help you apply and secure the most favorable policy pricing, unlocking incredible savings (Concierge Services and Underwriting Advocacy)
- Provide ongoing policy management to ensure your expectations of promised policy benefits align with spectacular results (The Policy Management Company)
- Unlock opportunities for a policy you no longer want or need (Life Settlements)