FINANCIAL PLANNING
We center financial planning around what is important to you. Your goals, your values, your objectives – all play a part in shaping your financial picture and your future.
At Stearns Financial Group, we design a personalized financial plan called a Financial Independence RoadMap®, assembling appropriate financial information and creating options with your dreams and goals in mind. We are very hands on throughout the process and test and analyze the “what if?” scenarios in your plan. Stearns Financial Group is your financial partner, ready to deliver a realistic view of the future and help you make confident decisions.
We then provide ongoing advice and refresh the plan as needed. Just like a plane flying from the east to west coast has an initial flight plan but then needs a thousand in-flight course corrections to reach its destination – your plan will require adjusting all along the way so that you stay on track and get to your destination safely and successfully.
Empowering Your Purposeful Life
FINANCIAL INDEPENDENCE ROADMAP
Our financial independence roadmap is designed to help you achieve your financial goals with confidence and clarity. It includes comprehensive tax planning to help optimize your tax situation, cash flow planning to ensure you have the resources you need both now and, in the future, and strategies to balance living for today with long-term financial security. We also provide guidance on debt and equity strategies to help you manage your financial resources effectively.
SCENARIO PLANNING
Our approach involves analyzing and preparing for multiple potential future scenarios, rather than relying on a single forecast. This method helps us better understand your risks and opportunities, allowing you to make more informed life decisions. We help you consider various scenarios, such as deciding where you will age, when you will retire, when you will collect social security, and the potential outcomes if the market experiences a correction or downturn. By exploring these possibilities, we can help you navigate uncertainties and achieve your financial goals with greater confidence.
ESTATE PLANNING
We design your financial plan to help you create a legacy that truly reflects your values and philanthropic goals. We assist with legacy planning, including philanthropy, writing ethical wills, and maintaining values across generations. Our team provides guidance on gift strategies and special tax savings to help maximize the benefits of your estate plan. Additionally, we offer asset titling strategies to help ensure your assets are properly managed and transferred according to your wishes.
TAX EFFICIENCY
Our financial plans take into consideration your tax burden throughout your life. Areas include maximizing the impact of your gift-giving ensuring that your generosity goes further, planning retirement income strategies that allow you to retain more of your hard-earned money, and helping you prepare for major life expenditures before they occur. By placing your investments in tax-strategic options, we aim to optimize your financial growth while minimizing tax liabilities.