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Personal Financial Planning

Financial Planning for Life Events

Estate
Planning

Retirement
Plans

Personal Financial Planning

Building and preserving your personal wealth requires specialized attention.  You get one-on-one guidance and a comprehensive financial plan that can help to improve performance, manage risk, and help the growth and longevity of your wealth.

Personal Financial Planning

Building and preserving your personal wealth requires specialized attention.  You get one-on-one guidance and a comprehensive financial plan that can help to improve performance, manage risk, and help the growth and longevity of your wealth.

LongSchaefer can help you: 

Save enough for a comfortable retirement by identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save for retirement given your financial situation and risk tolerance.

Pay for your child’s college education by accurately estimating the amount of money you’ll need, analyzing your assets, reviewing estimated shortfalls and considering general alternatives and strategies to help address these potential shortfalls, and developing an optimal savings plan given your financial situation and risk tolerance.

Protect your family in case you become disabled by ensuring you have enough money in your emergency fund and analyzing your life, disability, health, home, and auto insurance coverage. We also review your will and various powers of attorney designed to take care of your affairs in the event you are incapacitated and can’t manage them yourself.

Achieve your investment goals by identifying the steps needed to help maximize your investment returns as well as the steps needed to help minimize your risk while trying to build increased predictability.

Leave a legacy for your heirs by maximizing the value of your estate by saving tax dollars, professional fees, and court costs. As well as minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate. We also help you stay in control of your affairs by providing a road map for passing your estate on to your heirs.

Financial Planning for Life Events

Life is full of changes and surprises. Good financial planning can ensure that you’re financially prepared when these big changes and surprises happen to you. LongSchaefer has created some helpful guides to assist you in planning for these events. Meeting with a competent, seasoned, independent and licensed professional may help further identify the benefits to pursue and disadvantages to avoid.  Our initial one-hour discovery meetings are complimentary, so schedule yours today.

Financial Planning for Life Events

Life is full of changes and surprises. Good financial planning can ensure that you’re financially prepared when these big changes and surprises happen to you. LongSchaefer has created some helpful guides to assist you in planning for these events. Meeting with a competent, seasoned, independent and licensed professional may help further identify the benefits to pursue and disadvantages to avoid.  Our initial one-hour discovery meetings are complimentary, so schedule yours today.

Financial Planning Guides

Click the links below to be taken to a financial planning guide for each of life’s biggest events:

Getting Married
Becoming a Parent
Preparing for College
Developing a Financial Plan
Dealing with Your Bank
Improving Your Credit
Choosing A Professional
Buying Insurance
Getting a Loan
Planning For Retirement
Buying & Maintaining A Car
Buying & Selling A Home
Planning Your Estate
Making Charitable Contributions
Avoiding Scams
Getting Divorced or Becoming Widowed
Coping with Major Illness
Coping with Death of a Loved One
Improving Your Retirement
Handling Other Situations

Estate Planning

Estate planning on your own can be complicated and costly. And the list is endless: state taxes, bureaucracy, probate courts, unfair appraisals, health care concerns, eligibility of heirs, life insurance, IRA’s, 401K’s, annuities, burial or cremation costs, and intent regarding death-postponing treatment, to name a few. Not knowing your legal and financial rights often ends up costing you more in the end.

Thoughts of estate planning often bring more questions than answers: Could an heir be too young to inherit? Should the inheritance be given at a certain age? Is the intended beneficiary in a shaky marriage with divorce as a possibility? Are there children from a previous marriage? Should inheritance be protected from potential creditors of the heir? Are there taxes that can be avoided? Are you able to avoid the probate court rules, delays, and costs?​

Estate Planning

Estate planning on your own can be complicated and costly. And the list is endless: state taxes, bureaucracy, probate courts, unfair appraisals, health care concerns, eligibility of heirs, life insurance, IRA’s, 401K’s, annuities, burial or cremation costs, and intent regarding death-postponing treatment, to name a few. Not knowing your legal and financial rights often ends up costing you more in the end.

Thoughts of estate planning often bring more questions than answers: Could an heir be too young to inherit? Should the inheritance be given at a certain age? Is the intended beneficiary in a shaky marriage with divorce as a possibility? Are there children from a previous marriage? Should inheritance be protected from potential creditors of the heir? Are there taxes that can be avoided? Are you able to avoid the probate court rules, delays, and costs?​

Estate Planning

Planning what happens to your estate when you’re gone can seem frustrating and intimidating without the qualified help of a financial planning service.

You may feel that you’re too young to care about estate planning. Or, perhaps the reminder of death makes you uncomfortable. You might be tempted to put the whole thing off, assuming that it will just take care of itself. In all cases, estate planning ends up saving your family lots of time, heartache and money.

LongSchaefer can help.

Every estate planning situation is different. In order to help you, we want to know you, your unique situation, and the nature of your relationships. We offer discussion, recommendations, and useful research tools to make your planning simple, efficient, and worry-free. We are available throughout the estate planning process for further discussion regarding questions, change of circumstances, and alternatives. At every step, we’ll be there with you.

We help you…

  • Clearly define your estate planning goals.
  • Organize and create your estate planning team (experts on tax & finance) if you need one.
  • Evaluate and recommend estate planning options.
  • Prepare, organize, and review your estate planning documents including current wills, trusts, health care, and power of attorney.
  • Decrease the problems and expenses associated with probate.
  • Lessen taxes at time of death.
  • Arrange for management of your estate in the event you are incapacitated.
  • Draft a working plan for conserving and effectively managing your estate after death.
  • Transfer the assets of your estate to heirs the way you want.
  • Organize fair and adequate liquidation of estate to cover taxes and other expenses.
  • Amend your plan as needed.

You also get help with…

  • Living Wills and Trusts.
  • Lifetime Family Wealth Transfers.
  • Family partnerships and other business relationships.
  • Leaving money to charities.
  • Preparation for estate and trust tax problems.

The hassles and red tape associated with estate planning can be daunting, but you don’t need to do it alone. Our team is waiting to assist you through every step of the process.

Retirement Plans

LongSchaefer knows that many individuals don’t start thinking about retirement as early as they should. After all, retirement is far down the line, why worry about it when you’re young? But we have the experience and insight to know the problems with that kind of thinking. That’s why as part of our financial services we offer personal financial planning.

We want you to be able to live financially free, which means that alongside being able to afford your dependents’ college education, your investment goals, and the security of your family, we want you to be able to retire as comfortably as you deserve. Read on to learn more about what you can expect to discuss during a free consultation with one of our financial advisors.

Retirement Plans

LongSchaefer knows that many individuals don’t start thinking about retirement as early as they should. After all, retirement is far down the line, why worry about it when you’re young? But we have the experience and insight to know the problems with that kind of thinking. That’s why as part of our financial services we offer personal financial planning.

We want you to be able to live financially free, which means that alongside being able to afford your dependents’ college education, your investment goals, and the security of your family, we want you to be able to retire as comfortably as you deserve. Read on to learn more about what you can expect to discuss during a free consultation with one of our financial advisors.

Evaluate Your Situation

As the first step in paving your financial future, you’ll need to evaluate your current situation. You can’t start saving for retirement plans if you’re still checking between the couch cushions for pizza money. Evaluating your financial situation in order to save for retirement plans entails a handful of things. You’ll want to take stock of your current assets. This is a quick but important step.

You’ll also want to assess your potential Social Security retirement benefits. This will require some honest estimations of your wages and where you see yourself in the coming years. One of the benefits of trusting Longschaefer’s financial planning services is that we help you consider a variety of situations. Over the years, we’ve learned that preparedness and an ability to anticipate potential outcomes can really help you in the long-run.

Considering retirement plans will also require that you determine what your living costs will be at the time of your retirement. Having some idea of what you will need to have saved away in order to comfortably accommodate your lifestyle is important. While you can find tools online to help you come up with this figure, consider visiting with a LongSchaefer financial advisor in one of our free consultations. We offer a level of experience and skill that you won’t find with an online calculator.

Choose a Plan

There are a variety of individual retirement plans available, which span from Traditional IRAs to employer-sponsored individual plans. Deciding what best suits your situation is another step which requires a lot of informed foresight. You’ll want a plan that ensures you’re able to live comfortably as you contribute, while also ensuring that you’ll be able to live comfortably in retirement. Longschaefer advises that you seek the help of a trained and educated financial advisor to figure out what kind of retirement plans will allow you to live the lifestyle you’ve earned.

Discuss Retirement Plans with LongSchaefer

Longschaefer offers free consultations because we trust that you’ll see the benefits of our knowledge and experience. Let us help you lay the foundation for your future–visit with a LongSchaefer financial advisor today. You can contact us here or give us a call at (513) 854-0217.

  • Days Until April 15th
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When You Need Guidance, Call LongSchaefer

Financial planning is difficult for everyone. It’s unreasonable to think you can handle it all yourself, especially when you’re juggling personal and business-related finances. Let financial services from LongSchaefer help you secure the financial future you deserve.

"Each person has their own definition of success, our job is really to figure out what that is and help them achieve that."

- Ron Schaefer, CPA/PFS