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Services

We integrate all financial aspects of your life, including investment advice, social security strategies, estate planning,  and insurance planning, as well as integrating tax planning concepts. The implementation of these concepts will create one overall comprehensive financial plan for you. 

Core Investment Management

 

$50,000 - $100,000

 Investable Assets

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•Goals and objectives review

•Custom analysis of risk     tolerance

•Overall net worth analysis

•Asset allocation review

•Portfolio rebalancing

 

 

 

 

 

 

 

 

 

 

 

Additional Services*

•Financial plan development

•Financial plan updates

 

 

 

 

 

* Additional services available for an hourly consulting or fixed fee

Financial  Planning
 
 

$100,000 - $500,000

 Investable  Assets

​​

•Comprehensive financial plan

•Retirement needs analysis

•Income distribution strategies

•Comprehensive insurance planning

•Education planning & funding

•Estate planning services

•Goals and objectives review

•Custom analysis of risk tolerance

•Overall net worth analysis

•Asset allocation review

•Portfolio rebalancing

 

Additional Services*

•Financial plan updates

 

 

 

 

 

 

* Additional services available

for  an hourly consulting or fixed fee

Comprehensive Wealth Management
 

$500,000  - $1,000,000

 Investable  Assets

 

•Charitable gifting strategies

•Trust creation and asset integration

•Tax-optimized investing and giving

•Financial plan development

•Annual financial plan updates

•Wealth transfer

•Strategic planning for wealth  conservation

•Comprehensive financial plan

•Retirement needs analysis

•Income distribution strategies

Comprehensive insurance planning

Education planning & funding

•Estate planning services

•Goals and objectives review

•Custom analysis of risk tolerance

•Overall net worth analysis

•Asset allocation review

•Portfolio rebalancing

 

 

Visit

4265 Wilder Rd. 

Bay City, MI 48706 

Call

Phone: (866)-945-9825

Office: (989)-329-9825

 

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Registered Representative, securities offered through Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Cambridge, Family Heritage Advisors. and Valley United Insurance Agency are separate companies and are not affiliated.
 
PLEASE NOTE: The information being provided is strictly as a courtesy. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising
out of your access to or your use of third-party technologies, websites, information, and programs made available through this website.
 
Investment Advisory Services offered through IARs of CIRA ,a Registered Investment Adviser
Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC,
to residents of: (Michigan, Colorado, California )
 
A broker-dealer, investment advisor, BD agent, or IA representative may only transact business in a state if first registered appropriately. Follow-up,
individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements. For information concerning the licensing status or disciplinary history of a broker-dealer, investment adviser, BD agent, or IA representative, a consumer should contact his or her state securities law administrator.
 

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