Most people find themselves in need of financial planning to some degree, but many believe that a financial plan is only necessary for individuals with substantial net worth. In fact, less affluent people actually may need planning just as much, because each dollar of income or capital means more on a relative basis.
Whether you are anticipating retirement, sending your children or grandchildren to college, experiencing a major life transition, or just beginning an investment program, it is crucial to have a financial plan.
Estate Planning in its traditional and simplest form refers to the orderly disposition of assets at the time of death. However, over time, estate planning has evolved into a lifetime process of working to achieve priorities & needs within the changing framework of the complex Internal Revenue Code and Estate/Inheritance Tax Statutes. Your involvement is key to establishing a successful estate plan which reflects your priorities and preserves your estate in light of established legal constraints.
H&J Advisors are trained not only to help you create your wealth, they are available to assist you as you build a personal estate plan to preserve your wealth for your family. Estate planning truly is a lifetime process which occurs long before the reading of your Will.