Personal Financial Strategies

Wherever you are on life' s pathway, a good financial strategy is the bridge between dreams and reality. Needs and resources change at various stages of our lives. Osborne-Brumsey & Associates, Inc. helps you anticipate needs, evaluate resources, create a strong strategy are and regularly available to meet evaluate the strategies.

As an independently owned and operated company we are able to make recommendations from our vast portfolio of products and services, which has the depth and breadth to serve all of our clients. We focus on our client's best interests and are not tied to a particular company' s products.

Each of our client relationships begins and develops with careful listening on our part. We ask questions that surface your short and longer-term goals as well as your preferences for different types of investment strategies.

Individualized research is a key ingredient in the strategies we help our clients devleop. Whether your needs are simple or very complex, we have the in-depth knowledge and technical expertise to research an array of investment and insurance products and to make recommendations that are attuned for you.

Whether you're an experienced investor, just beginning a financial strategy, have recently married, had a child, are rolling over a 401K plan or are preparing to retire, these are life stages we can prepare you for.

s you consider your personal and family financial planning, give thought to these areas:

• Overall Financial Health
  Within the last year, have you reviewed all of your insurance coverage, investments and work benefits to see if they' re in alignment with your financial objectives?
• Health Insurance
  Do you currently have all of the coverage you need if you or someone in your family is injured or sick and needs professional medical care? Do you have the cash for the policy deductible and coinsurance levels required?
• Life Insurance
  Does your current life insurance provide your family with adequate income if you should die? Would the policy' s amount also cover all of your debts? Disability ProtectionIf you were unable to work because of illness or injury could you pay your monthly living expenses? How long could you do this?
• Emergency Fund
  Do you have liquid assets to cover your needs if you had a medical emergency, personal disability or financial setback? Generally, 3-months of income in a liquid account is recommended.
• Education Funding for Children
  As you make choices for your children' s education, which may involve nursery school through college, are your savings on track to support your plans? Are you saving in the best manner for this?
• Investments
  Is your current portfolio of investments properly allocated to your personally ascertained risk level? Are you rebalancing your investment portfolio to keep your portfolio on target with your original strategy?
• Retirement Preparation
  Do you know what you need to have saved to retire with an income level that supports your lifestyle? Are your current savings levels on track to achieve this?
• Retirement Medical Needs
  Have you considered long-term care needs - either at home or in an assisted living facility - as part of your retirement plan? Are you aware of available Medicare supplement policies and Medicare Advantage plans?
• Estate Planning
  Do you have an updated will, healthcare power of attorney, living will and provisions for the care of children if both parents die? Do you have an estate tax problem? Have all of the documents been reviewed by an attorney?

Use the links in the Personal Financial Strategies menu to learn more about Personal Financial products & services. Then contact us to explore the best options for you & your family.