Our Services
- Retirement – Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement.
- Tax reduction strategies – Making sure you don’t pay a penny more than the law requires. Always looking for ways to reduce your current and future tax burden.
- Estate – Reviewing your wills and trusts. Preserving your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes, IRA taxes, and probate costs.
- Risk management – Reviewing existing insurance policies. Recommending policy changes and cancellations when appropriate.
- Education funding – Recommending investment and accumulation strategies to help pay for your children’s and grandchildren’s education.
- Investments – Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.
- Employee and executive benefits – Helping your business attract and retain qualified employees through benefit packages.
- Federal Employee benefits – Helping Federal Employees make the most of the many benefits offered.
A “Retirement Strategy Session” can help bring your retirement dreams alive. That's where the commitment to one-to-one, face-to-face financial sessions really makes a difference. The two of you will review every aspect of your finances — that way, working together, you can get the best picture of where you are and what you need to do to achieve your dreams of what's ahead. With this, they will create a tailored Retirement Strategy Plan — one that encompasses your entire financial life.
Truth is, in life things change. You might switch jobs, or move, or take on an extra financial responsibility. There will be changes in the market and in the economy. From time to time, you'll need to adjust your strategy — make course corrections to stay on track. It’s important to meet quarterly to help you evaluate your progress, to determine necessary adjustments keeping you on your path realizing and enjoying your dreams. As your advisor, they are available for regular checkup meetings or for any situation which might require immediate attention. The commitment to you is not just for today, but for all of retirement.
Unlike most firms, Fess Financial does not use a pre-designed “cookie cutter” portfolio approach. They work with clients to design portfolios that meet their specific objectives, time horizon and risk tolerance. The focus is on an unbiased selection of world class investments, not on product sales. Chris integrates your investment portfolio with your overall retirement strategy, taking into account your goals, assets, fears, desires, and dreams.