Financial Planning

What is a Financial Plan?

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"I'm pretty sure that my family needs a financial plan, but what will my plan look like and how will I use it?"

The question above is asked by all of my clients and is probably one that you currently have.  A financial plan completed by Mark Freret is a specific list of recommendations that addresses your financial questions.  The plan is a typewritten document that recommends specific actions for you to take to address many of the following questions:

How much money should I have in savings and where should the money be held?

How much should I invest for retirement or college funding and in which accounts?

Which mutual funds should I invest in within my 401k, IRA, brokerage account, etc.?

Which type of mortgage is best for me?  Should I prepay my mortgage?

What types of insurance policies do I need?

How can I plan for the safety of my family if I die and how can I help insure that my wishes are enacted if I'm incapacitated?

I'm close to retirement.  How should my money be invested?  How much can I withdraw each year to live on?

You are probably asking some or all of these quesions yourself.  These questions, in addition to others, are what your plan is designed to answer.  In a straightforward, typewritten plan, your questions in the areas of cash/flow and savings, investments, insurance, employee benefits, retirement planning, taxation, and estate planning are answered.

A financial planner who cares about your best interests should be prepared to alert you to situations where you need additional professional help.  Situations involving taxation and estate planning are two areas of financial planning that often require additional help.  Since Mark does not receive any compensation for referrals, he can help by recognizing such situations and referring you to other professionals.  You may already be working with such professionals as attorneys, CPAs, and insurance agents and the addition of a financial plan can simply help optimize your work with these other professionals.

Please be aware that Covered Bridge Financial does not sell any investment or insurance products.  In addition, Covered Bridge does not provide recommendations regarding health insurance.

Plan for your future.  Contact:

Covered Bridge Financial * 5845 Millers Pond Lane* Powder Springs * Ga * 30127 Phone: (404) 409-9055

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