Broker Check

Financial Planning


Comprehensive Financial Planning

We take the time to understand what you want out of life – for yourself and for your family. We employ a comprehensive planning approach combined with sophisticated technology designed to help optimize your results and work toward your financial goals. We have years of experience collaborating with clients like you. We believe your financial information should be organized, up to date, easy to understand and accessible to you whenever you want, from wherever you are. We understand that unexpected events and life changes can impact your dreams. We monitor and track your progress every day and adjust your financial plans along the way.

Personalized Client Planning Portal

Your Personal Financial Portal serves as a secure, up-to- date window into your entire financial world - accessible to you at anytime from anywhere with an internet connection or mobile device. Unlike online banking, online shopping or bill pay, our system is non-transactional.

Online document storage Vault

The first step in the financial planning process involves evaluating your current financial situation and becoming financially organized. Organizing your important documents and storing them in a secure location makes it easier for you and/or your family members to respond in the event of an emergency or premature death. As part of our services, you can scan and organize these documents into your own personalized Vault, making them easily accessible to you anywhere there is internet access.

Estate Planning Coordination with Legal & Tax Advisor

The loss of a loved one can be one of life’s most difficult times. In addition to the grief, there’s the matter of settling the estate, which can be trying — especially if you’ve never experienced it before. RedStone Advisors wants you to know we’re here to help you through the process. Along with your attorney and tax advisor, your Financial Advisor will round out the team you’ll rely on for guidance. In addition, we offer a variety of materials designed to help you understand what you can expect and what you may need to do.

Social Security Analysis

For previous generations, claiming Social Security benefits was relatively simple. Once retirees decided on a retirement age (typically at or after age 62), they called the Social Security Administration and applied for their benefits. However, as life expectancy has increased and baby boomers are looking to maximize their retirement income from a variety of sources, a number of Social Security claiming strategies have become increasingly common. Understanding some of your alternatives — and knowing how to discuss them with your local Social Security Administration representative — can give you a head start on determining which, if any, may fit your retirement income strategy.

Insurance Review & Needs Analysis

When your life insurance policy(ies) was purchased, certain pricing factors, such as mortality or interest rate assumptions, were made that impacted policy charges, premiums and death benefits. Often policy owners are not aware that insurance companies’ actual experiences may differ from their assumptions, often resulting in a lower priced policy(ies). Policy pricing and features may have improved in recent years, and if the insured’s health hasn’t changed significantly, he or she may be able to improve his or her situation with a new policy. Providing current statements or illustrations to your Financial Advisor can help determine whether your existing policy(ies) meets your current needs and whether changes may need to be made to your insurance plan.

Education Planning

Whether your children or grandchildren are toddlers or teenagers, it’s only a matter of a time before they leave the family home, probably as they head off to college. The cost of sending just one child to college for four years can be staggering, and tuition and fee hikes regularly outpace inflation. Rather than sending your children or grandchildren into the world with a burden of student-loan debt, you can save to help cover at least a portion, if not all, of their higher- education expenses. Fortunately, parents who intend to cover or contribute to their children’s education costs have more choices today than they’ve ever had. If you’ve not yet looked into an education savings plan, your Financial Advisor can help you choose among a variety of savings vehicles, including 529 plans, Education Savings Accounts (ESAs) and custodial accounts.

Business Succession Planning

As a successful business owner, you have accumulated wealth within your company. Now you have two very significant decisions to make as you begin the process of estate planning:

  1. How to transfer ownership; and
  2. How to protect your wealth from depletion due to estate taxes.

There are many options available to you as you plan for your estate and the eventual transfer of your business. These options should be carefully explored with a competent tax advisor. There are many legal and tax implications which may preclude you from using any one or indeed all of these alternatives because of your particular circumstances; or all of these suggestions may be feasible, yet one may be more appropriate than another. RedStone Advisors provides these possibilities as a preliminary step in your estate planning process.