We make a commitment to you that we will not be pushy or rush you into decisions. As a matter of fact, we often sit with our clients three to four times before we shift any assets at all. The beautiful part about the time that we spend together is that it doesn’t have to be rushed. We typically allow for two hours per consultation and don’t charge for our time during these consultations. With several options on how we get paid, we can offer very reasonable planning. We have a reputation in the industry for developing and keeping long-term relationships with our clients.
Since 2006, Lighthouse Financial Advisory Group has been a prominent financial firm in the Delaware and Pennsylvania areas. We have made it our mission to educate and advise clients on how to avoid the common mistakes made by most investors, especially retirees. Our areas of expertise include Portfolio Investments, including pension and retirements accounts, 401k and IRA Rollovers, Social Security Tax Rescue, Estate Planning, No risk Indexing and Stock Rotation Strategies, although we are not limited in these areas. We are a full service firm who make it a priority to put our clients first by not only advising but educating as well.
We serve as financial advisor to our clients, focusing on retirees and their particular financial needs. Each of our planners is licensed and has gone through the arduous task of becoming Certified Senior Advisors. This certification requires completion of a 22-part program of study in the financial, physical, emotional and personal issues of aging.
Our planners help our clients avoid the common mistakes made by most retirees. We help people cut their taxes by as much as 50%, avoid taxes on Social Security income, avoid estate taxes, protect estate values, and put a safety net under their retirement savings while participating in market gains.
Because we are comprised of independent brokers and advisors we can virtually represent any company or type of investment. The fact that we are not captive allows us to have more companies and investment options to pull from. More companies and investment options allow us to make non-biased recommendations that fit our client’s needs more appropriately. Unfortunately so many of the seniors that come to us have the mindset that they only have three investment options: stocks, mutual funds and CDs. We are happy to educate people on the rule of 100 and the fact that there are 22 asset classes for us to choose from. It is rewarding to genuinely help people and share investment options that have a much lower risk exposure for them. We have no minimum or maximum wealth requirements and have enjoyed planning with people from all walks of life. Retirees today face many challenges. From health care issues to the decreasing value of a dollar, seniors' concerns about the security of their financial well-being is growing. According to the National Council on Aging (NCOA), 54% of seniors still working, do so because they are afraid of not having enough money to sustain the years to come. Rising costs of prescription drugs, social security taxation, uncertain market economy, relatively low interest rates, inflation climbing and the possibility of needing long-term health care have all been major factors in today's retirement landscape. By utilizing tax-deferred, tax-advantaged strategies, retirement concerns can be lessened dramatically.
The right program can help retirees and pre-retirees put their financial concerns to rest. In this uncertain financial arena, how can you sustain growth and protect your accumulation simultaneously? Simple: You seize every opportunity available to protect and grow your assets. At Lighthouse Financial, we can help you.
