Financial Planning Services
There is a misconception that financial planning is just for the wealthy, but this simply isn’t true. Everyone should have a financial plan.
Most situations in life turn out better when they are planned for. This applies to simple things like making a list before you go to the grocery store as well as big things like how you will pay for your kids’ college education or fund your retirement. You don’t have to be a millionaire to save part of your income each month, you just need the desire to plan and the discipline to follow through.
Here at DMCU, we help you plan for the big expenses in life, so you’re prepared to handle them when the time comes. Some of these include:
Life Planning: This is the best place to start with a financial plan. We ask you what your goals are, then we get to work designing a realistic plan for you to achieve them. If you don’t know where you’re going, it’s likely you’ll never get there.
Birth/Adoption of a Child: A child isn’t always planned, but your finances should be. Children can be costly, and we can show you how to start saving the money now that you will need to successfully raise your children to adulthood.
Going to College: College is an important steppingstone to a successful future, but it can be a prohibitively expensive one. We can show you how to prepare to fund a college education for yourself or your children, so you’re not mired in debt for years afterward.
Home Ownership: Buying a home is a good investment, but it can be challenging to save enough for a down payment. We can help you get your finances in order so you can buy, refinance or renovate a home.
Natural Disasters and Unexpected Events: Everyone should have an emergency fund readily available, ideally with at least three months’ worth of living expenses. You never know when disaster will strike but dealing with it is easier when you are prepared.
Starting/Losing a Job: Whether you get laid off or choose to leave your job for another, this transitionary period can get dicey. Make sure you have all the info you need regarding benefits, retirement plans and more.
Starting/Buying a Business: Going into business can be risky. We can show you how to best protect yourself to improve your chances of long-term success, whether you’re buying into an established business or launching a new venture.
Planning for Retirement/Retiring: It’s never too soon to start planning for your retirement. Talk to us about employer-funded and individual retirement plans so you can decide how best to securely provide for your future.
Death of a Family Member: The death of a family member is hard on everyone, and if the deceased was the family’s main income source, the difficulties are compounded. Learn how to prepare ahead to make a crisis like this easier to manage.
If you have questions about financial planning or want to make an appointment with one of our financial analysts, contact us today.
LPL Financial is your personal financial consulting service guide to help navigate your money and investments through life. Whether your goal is to purchase a home, plan for retirement or simply evaluate your current financial situation, you can start with LPL Financial. Our primary focus when working with clients is that investing is personal. Your LPL Financial Advisor, Tom Landis, aims to first understand your needs, then give you the professional advice you need to help meet those needs based on where you are in your life. We build our business on your trust and life goals, and we are dedicated to securing your confidence.
Their mission: At LPL Financial, we patiently listen to each client’s individual needs, strategically plan for their dreams and carefully work toward securing their future.
Tom is here to help
Tom Landis has over 27 years of experience and his passion is helping individuals and families work toward their long-term financial goals and guiding them through life changes along the way. He understands that trust is earned through listening and understanding each client’s unique financial goals while offering unbiased advice and non-proprietary products. He is committed to creating a financial plan that helps address each person’s and family’s unique expectations, producing an investment strategy aligned with their financial goals and life story. You can schedule a complimentary consultation with Tom Landis Today!
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