Our Services

Wooden Financial offers independent financial planning and advice in the following key areas:

 

Personal Planning - Our associates work closely with you to discuss the following topics that will help you and your family live financially secure lives:

  • Retirement Planning: How and when do you see yourself retiring?  What will you do, and what will it cost to do it - not just the day after you retire, but 10, 20 and even 30 years later?
  • Education Planning: Who will you need to, or just want to help educate?  When?  And do you have your arms around what it will cost?
  • Insurance Planning: Do you know exactly what would happen to your family if you didn't wake up tomorrow?  Do you know exactly what would happen to your family if you became disabled and could no longer work?  "

*We require annual review meetings to ensure plans are up to date and our clients are staying on track. 

Investment Planning- Our associates believe in using an asset allocation approach based off of "Modern Portfolio Theory" to create portfolios for our clients.  The premise of Modern Portfolio Theory is to combine various asset classes to reduce volatility and maximize gains based off of a given level of risk.  By walking you through the following questions, we create a portfolio that fits your individual needs. 

  • What is your objective for this money and how does it fit in with the plan as a whole?
  • What is your time horizon?
  • What is your risk tolerance?
  • What is your tax situation?

*Ongoing investment planning services include: Quarterly reviews and annual re-balancing (if necessary)

Estate/Legacy Planning - Our associates work closely with an estate attorney and CPA to help you work through the following topics:

  • How are the kids/grandkids/others going to inherit the assets and values you would like them to receive?  How do you safeguard the money from being squandered away in the 2nd and 3rd generations?
  • Have you safeguarded illiquid assets from having to be sold to pay estate taxes?
  • Are assets going to be tied up in probate court because proper documentation (i.e. beneficiary designations) was not completed?
  • Would you like to remain in control of the assets after you pass away?
  • How will inflation play a role in the value of the assets?
  • Do you heirs know your wishes for the assets, or is there proper documentation so that upon your death they will? 
  • Charitable Planning - Is there a charity or charities that you would like to leave a sum of money to?  Is charitable planning something you'd like to become involved in?  Would you like to see your children become involved in the process? 

4.  Business Planning - Our associates work closely with Business Attorneys, CPAs, Third Party Administers, and Group Benefit Professionals to help your business work through the following topics:

  • Retirement Plans - 401(k) Plans, Deferred Comp Plans, Defined Benefit Plans, SIMPLE/SEP IRAs. 
  • Succession Planning - Buy-Sell Trusts & Insurance, Key Man Insurance, Disability Buy-Out, Disability Overhead
  • Group Benefits - Group Health, Disability, Life, Long Term Care, and Fringe Benefits