Developing a great plan often begins with good questions.
Let’s get some answers!
We assume any financial advisor can help you save for retirement and avoid paying unnecessary taxes, but our clients want more than just a return on their investments…they also want a return on their life! That’s why our process helps people consider their values, purpose and legacy and not just their goals, allowing us to provide advice that reflects what is most important them and giving them the freedom to think beyond their money so they can enjoy the best of life.
Absolutely! Thanks to technology, we partner with clients all over the country. We enjoy meeting with clients in person at our office in North Oaks, we utilize the latest technology to provide a seamless experience for clients who live in other areas.
North Oaks Financial Group is part of the Thrivent Advisor Network (“TAN”), a legal entity separate from Thrivent Financial. This means we are affiliated with Thrivent but operate as an independent practice. North Oaks Financial Group is proud to provide access to Thrivent Financial insurance products as well as other company’s insurance products. In addition, we have the ability to invest in any mutual fund, ETF, individual stock, or bond that we choose. Click here to learn more about the Thrivent Advisor Network and Thrivent Financial.
There is not a minimum you need to work with us, and it’s not necessary that you consider yourself “wealthy.” We charge a fee for our advice, which includes the support of our entire team. The amount of the fee varies and is based on your assets, needs and the complexity of your situation.
Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you save adequately to finance your child’s higher education, or it may provide enough for a comfortable retirement. You can also adapt more easily to life changes and feel more secure that your goals are on track.
Personal finance software packages, magazines and self-help books can help you do your own financial planning. However, you may decide to seek help from a professional financial planner if:
- You need expertise you don’t possess in certain areas of your finances. For example, a planner can help you evaluate the level of risk in your investment portfolio and revise your asset allocation.
- You don’t feel you have the time to spare to do your own financial planning.
- You know that you need to improve your current financial situation but don’t know where to start.
- You feel that a professional advisor could help you improve on how you are currently managing your finances.
- You have an immediate need or unexpected life event such as an inheritance or major illness.
- You want to get a professional opinion about the financial plan you developed for yourself.
A busy schedule may be the best reason to find a trusted professional to help! There is an investment of time into a financial planning relationship, but the resulting structure and attention to detail pay off in many ways. Taking time to establish goals and objectives, then focusing on analysis, strategy and execution of plans is the difference between wishing and accomplishing. We will guide you through the process, helping you plan more effectively and more quickly than you could on your own. The busier you are, the more you need that help!
While we do manage wealth for most of our clients, much of a client’s net worth may be in real estate, stock options, illiquid securities, or employer-sponsored plans. We meet each client where they are and assist with advice-based planning regardless of what class or classes of assets comprise their portfolio.
This is one of our specialties. We gather details regarding each decision you will face, bring the information together, and then provide actionable advice. Typically, this includes pension and investment options, tax planning, estate planning, social security decisions and medical insurance transitions.
We will work hard to keep you from making mistakes and provide you with confidence that your money will comfortably last the rest of your life. You may even be able to leave a legacy to your children, grandchildren or charities about which you are passionate.
From working each day to earn a living, to organizing and managing assets to provide cash flow is a big transition – both technically and emotionally. That’s why we believe in thinking beyond your money!
A financial advisor works for you and should only consider your needs, not the product(s) he or she is trying to sell. We feel that being an independent practice is the best way to give clients objective advice. As independent advisors, we do not have limitations or requirements to use any specific investment product or solution; this allows us to create customized financial plans designed to provide income and growth for our clients.