Financial Needs Analysis

I believe that everyone can become financially independent with time, effort, and responsibility.

Planning for retirement and the future is a daunting task, but with the products and services I offer, you can rest assured that your family will be taken care of throughout all areas of your life.

Everyone should be given the chance to know what it will take to be able to live their dreams. I offer a complementary financial needs analysis to every individual or family looking to create a game plan for their future.

  • There are three major aspects of the financial needs analysis:
    • Risk Management
    • Wealth Accumulation
    • Wealth Transfer

Risk Management is preparing for the worst case scenario so that you can prevent an unforeseen circumstance from burdening your loved ones and protect your investments.

  • Risk Management
    • Life insurance
      • Term Life
      • Whole Life
      • Universal Life
    • Auto and Home Insurance
    • Long Term Care
    • Short and Long Term Disability
    • Annuities

When it comes to saving for retirement, there are many options available whether you are self-employed or work for someone else. There are individual accounts as well as employer sponsored accounts to help you achieve your retirement goals.

  • Wealth Accumulation
    • Retirement savings plans
      • Traditional IRA
      • Roth IRA
      • SEP IRA
    • College savings plans
      • College 529s
      • Coverdell ESA
    • Former Employer Retirement Savings Plans Rollovers (example: an old 401(k) from a previous job)
    • UTMA/UGMA accounts
    • Employer Sponsored Plans
      • 401(k)
      • 457(b)
      • 403(b)
      • SIMPLE IRAs
      • Payroll deducted IRAs (Traditional or Roth)

Creating and accumulating wealth takes time and your hard-earned money. The last thing you want is to lose that money because of an unforeseen hardship such as a loved one needing full-time assistance in a nursing home or to let the government take any more of it than they already have in taxes. It is my goal to make sure that you are prepared for both the best and worst case scenarios. No one knows what the future will bring but you can prepare yourself for what it does through services such as Wealth Transfer.

Wealth Transfer is designed to protect your retirement savings using products and strategies to avoid unwanted taxes and prepare you for unforeseen emergencies such as Long Term Care.

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Securities offered through Concourse Financial Group Securities, Inc. (CFGS), Member FINRA/SIPC. Advisory services offered through Concourse Financial Group Advisors, a DBA for CFGS, a Registered Investment Advisor.  Steve Tucker, Jr. and STJ Advising is independent of CFGS. 

Securities offered through Concourse Financial Group Securities, Inc. (CFGS), Member FINRA/SIPC.  Steve Tucker, Jr. and ST is independent of CFGS.