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Services for Individuals and Families

We believe everyone needs a plan in order to set, pursue, and reach their financial objectives. Our team works with individuals and families throughout Maryland and the surrounding states, offering a number of services that all fall within the creation of one comprehensive financial plan.

Financial Planning

At its simplest, financial planning refers to the process of making appropriate decisions concerning one’s assets in order to pursue one’s goals in life. Financial planning may involve a number of different strategies, but the goal is to determine how to manage assets and plan for the future. We help clients establish their goals in life, both short and long-term, determine their assets and liabilities, and evaluate their current financial position. From there, we can create and implement a strategy, focusing on the client’s needs and objectives. All of our services, from asset management to estate planning, tie into the overall financial plan we develop for clients.

Asset Management

In order for clients to build and preserve their wealth, we believe their investment strategies must align with their risk tolerance, time horizon, and objectives. Based on our client’s needs, we can create a unique strategy that is designed to help them to build their assets within the appropriate level of risk. We provide access to a number of professional asset management services that may allow investors to implement investments they may not have otherwise used, including a wide variety of traditional and alternative investment classes.

Retirement Planning

Retirement planning is a critical element of one’s financial plan. Our retirement income planning process includes analyzing income sources, managing assets, determining future expenses, and estate planning goals. This process pulls all these together into one plan of action. Beyond developing a retirement plan, we can offer clients advice and education on Social Security, long-term care insurance, and other complex financial elements of retirement.

Estate Planning

Many individuals and families not only want their assets to last for their lifetimes, but also want to leave a legacy for their heirs. As our clients approach and live in retirement, we can assist with their estate planning needs, including offering insight and appropriate recommendations, and helping them identify how they want to pass on their assets. Additionally, we can work with clients’ other trusted professionals, including attorneys, to assist in ensuring an estate plan is in place.

Risk Planning

A financial plan would not be complete without understanding the various risk of life and properly addressing those risks. Insurance is one way to mitigate the risks in one’s life and aims to help you minimize those risks. Although insurance is not needed in every situation, it can function as a great risk management tool. We can help clients determine the appropriate insurance strategy that will help protect their financial futures and their loved ones, including life, long-term care, and disability insurance. We understand that our clients’ needs are unique so we typically tailor a strategy specific to their needs.

Financial planning and investment advisory services are offered solely by Investment Adviser Representatives of Equity Services, Inc.