Our Services

Developing Customized Financial Programs

Financial Planning
Financial planning, or as we prefer to think of it “Financial Coaching”  is a process of setting objectives, assessing assets and resources, estimating future financial needs, and making plans to achieve goals. Many elements may be involved in this process, including investing, asset allocation, and risk management. Tax, retirement, and estate planning are typically included as well.

Our coaching and planning process plays a starring role in helping you get the most out of your money. Careful planning can help set priorities and work steadily towards long-term goals while being able to enjoy today. It may also provide protection against the unexpected, by helping individuals prepare for things such as illness or loss of income.

Financial planning may mean different things to different people. For one person, it may mean planning investments to provide during retirement. For another, it may mean planning savings and investments to provide money for a dependent’s college education. It may even involve making career-related decisions or choosing the right insurance products.

Many people choose to use the services of financial planners to help them reach their goals. A financial planner is a professional who provides advice, coaching, and guidance for a wide spectrum of financial issues.

Investment Management
Investment management refers to the management of securities and assets by professionals on behalf of investors. The investment managers facilitate the accomplishment of specified goals that are set for the benefit of the investor.
Education Planning
Educational planning is the process of preparing for your post-secondary education. Effective educational planning enables you to make a smooth transition from high school or military service to college or further technical education. A good educational plan will provide you and your family with a map of your future education and career goals.
Retirement Strategies
Financial planning is a process of setting objectives, assessing assets and resources, estimating future financial needs, and making plans to achieve monetary goals. Many elements may be involved in this process, including investing, asset allocation, and risk management. Tax, retirement, and estate planning are typically included as well.

Retirement Strategies or Retirement Planning is a savings and investment plan that provides income during retirement. It is often created by companies or the government for employees. A defined benefit plan and a defined contribution plan are both types of retirement plans.

Estate Planning
Estate planning is one of the most important steps any person can take to make sure that their final property and health care wishes are honored, and that loved ones are provided for in their absence. Though often overlooked or put off in favor of more immediate concerns, a comprehensive estate plan can resolve a number of legal questions that arise whenever anyone dies: What is the state of their financial affairs? What real and personal property do they own? Who gets what? Does a personal guardian need to be appointed to care for minor children? How much tax will need to be paid in order to transfer property ownership? What funeral arrangements are appropriate?
Long Term Care
Long term care planning has a combination of meanings.  It encompasses having your paperwork in order AND knowing what financial options are available to pay for long term care in both pre-crisis and crisis situations.

The first part of the long term care planning process is having your legal paperwork in order.  Once you have put your legal paperwork in order you should communicate your planning with those you are entrusting to be “YOU” when you are no longer capable of acting on your own behalf.  You may think that putting legal documents in place is something you wait to do until you are older.

Nothing could be farther from the truth.  The moment you turn 18 years old you are legally responsible for yourself and should have your wishes in writing to prevent issues like what happened in the Terry Schiavo case a few years ago. It will be important for you to create a systematized, organized place to store your records.  This place should be easy-to-access in case of emergency and should be in a safe location.

The second part of the planning process is knowing what options are available to pay for long term care in both pre-crisis and crisis situations.

Contact Details

870 Kipling St Unit A
Lakewood, Colorado
80215

pbf@pbfadvisors.com

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Securities may be offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services may be offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Personal Benefit Financial is not affiliated with Kestra IS or Kestra AS.

Neither Kestra IS nor Kestra AS provide tax or legal advise. 

This website is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact our Compliance Department at 737-443-2582.