Retirement & Financial Planning

Creating financial independence

Image of Men and Women A financial plan’s true value comes from putting it into action. Building and preserving your personal wealth requires specialized attention over the long haul.

Apel can be there to advise you as you move through the stages of your adult life – from your single years all the way through retirement. In fact, we can go beyond that and provide you professional financial guidance for leaving a legacy.

In other words, Apel can give you one-on-one guidance year after year and a comprehensive financial plan that helps manage risk, improves performance, and ensures the growth and longevity of your wealth through each stage of your life.

Taking the necessary steps for retirement. What do you need for a comfortable retirement? Apel can help you save enough for retirement by identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save given your financial situation and risk tolerance.

Paying for college. Apel can help you prepare for your child’s college education by accurately estimating the amount of money you’ll need, analyzing your assets, reviewing estimated shortfalls and suggesting strategies to address them, and developing an optimal savings plan given your financial situation and risk tolerance.

Achieving investment goals. What are the steps toward maximizing your investment returns? Apel can help walk you through them. We can also help you minimize your risk and create an investment plan with greater predictability when it comes to those returns.

Planning for your legacy. How can you maximize the value of your estate? Apel can work with you to save tax dollars, professional fees, and court costs—which means a greater legacy for your heirs. People often don’t realize just how much the costs of probate, lawyers, creditors, and estate taxes can negatively impact the value of their estate. Apel can work with you and design a road map for a smoother path to passing on your estate.

Being prepared for the unfortunate or even the catastrophic. What if you should become disabled and are unable to work? Apel can advise you on whether you have adequate protection in place by analyzing your life, disability, health, home, umbrella, and auto insurance coverages. By understanding your needs and your financial situation, we can also help establish the amount you’ll want to have in your emergency fund.

We also review—and contact an outside expert if necessary—to evaluate your will and various powers of attorney. We’ll look at how thoroughly and effectively these things are designed to take care of your affairs in the event you are incapacitated and can’t manage them yourself.

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