When it comes to your financial security, it’s all about partnering with someone who is committed to putting your financial interests first. Inflection Advisors have attained a high standard of excellence in personal financial planning by continually pursuing the education, experience, and ethical standards necessary to provide industry-leading financial planning services.
Personal Financial Planning Services
We want to reshape your financial life and in order to support growth, we have to not just focus on investment management. Financial planning, an umbrella term for all the surrounding pieces can have a large impact on ensuring you have a foundation to tackle your short and long term goals.
Debt Management
Don’t let debt determine your financial future. We understand that debt can be hard to cope with and leave you with limited financial options. Our debt management experts can help provide you with realistic and actionable steps that can help you consolidate, restructure, reduce, and provide guidance around increasing your debt.
Cash Flow & Budget Management
Cash flow planning refers to the process of identifying future income, future expenses, and major expenditures you are planning so that they are coordinated with investment planning. Without a viable cash flow plan, it’s easy to lose track of capital flows over time, which can make it difficult to make guided, informed decisions regarding your portfolio.
Cash flow planning can help:
- Identify what you should ideally be saving on a systematic basis
- Clarify the long-term effects of deposits and withdrawals from your portfolio
- Provide a clearer view of future income and lifestyle needs and circumstances
Although cash flow planning sounds simple, very few people actually take the time to project their future income, their planned purchases, and their expenses. Proper cash flow planning provides increased confidence and a greater understanding of how cash flow can impact your financial future.
Savings Strategies
Many people find it difficult to save money in a long-term, consistent fashion. We help our clients adopt healthier financial habits such as eliminating unnecessary fees, properly weighing options, enacting smaller but more long-term deposits, and much more.
Savings strategies require long-term thinking and strategic options. We have the extensive industry knowledge and proven long-term tactics necessary to create sustainable growth so you have plenty of money when you need it for retirement or emergency spending/investment.
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Insurance Analysis
An insurance analysis is the only way to properly assess your financial situation to determine how much, if any, of the risk you are able to assume, and how much of it should be transferred to an insurance company. An insurance analysis will quantify the capital need and then calculate the gap between personal resources and the potential need.
With this approach, you can be sure you are only paying what you need to for insurance, which allows for a more optimized approach to insurance. Additionally, there are insurance strategies that help position your legacy and can allow you the ability to take on more risk in other areas of your financial plan.
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Student Loan Repayment
Maximizing your student loan repayment is key to enabling a more long-term approach. This involves restructuring debt repayment plans and negotiating interest rates every step of the way.
Understanding your student loan repayment plan is key to enabling a successful long-term financial plan. This involves restructuring debt repayment plans, figuring out the different payment plans available and assisting with the balance of needing to save long term while paying down loans.
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Organizing Finances
Organizing finances properly ensures that you can make efficient decisions for each aspect of your financial strategy. This could include: consolidating accounts, closing accounts and adding accounts to fit your specific planning needs.
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Tax Planning & Strategy
We help you understand your tax bracket, how key tax ideas work, what records to keep, and other basic steps to help you shrink your tax bill. In addition, we can work with you to understand the impact of capital gains, losses and highly concentrated stock positions.
Our financial professionals can work with your CPA or tax advisor to work together approaching your taxes on an annual basis.
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Contact The Personal Financial Planning Experts
The advisors at Inflection Advisors are ready to work with you on all your financial planning needs. Reach out to them today by phone at (424) 372-8399 or get in touch through our website.
