OUR SERVICES
We offer broker services through Cambridge Investment Research Inc and advisory services through Cambridge Investment Research Advisory.
Advisors at Life Changing Financial are independent financial professionals, not employees of a particular investment or financial services firm, leaving us free from third-party influences. This allows us the freedom to offer you objective guidance, maintain our Fiduciary focus, and develop a financial plan that is based on what is best for you and your financial goals.
Complimentary Services
- Initial Meeting
- Personal Financial Dashboard
- Life Insurance Needs Analysis
- Goals Based Economic Newsletter
Financial Planning
- Overview of Current Financial Position
• Basic Goals Based Financial Snapshot
• Initial Investment Recommendation & Implementation - Goals Based Financial Plan
with Annual, Semi-Annual, or Quarterly Updates - Retirement Bucket Plan
(Includes Cashflow and Tax-Planning)
Advanced Planning
- Review of Advanced Insurance Needs
• Long Term Care, Disability & Medicare
• Umbrella, Business, Key-Man, etc. - Social Security Optimization Analysis
- Life Transition Planning
• Job Transition
• Divorce Planning
• Loss of a Loved One - Advisory Input on Estate Planning
In Cooperation with Elder Law Attorney
or Estate Attorney (Wills, Durable POA,
Healthcare POA, Living Will, Trusts, etc.)
Advisory Services
- Benchmarking of Portfolio with Stress Testing
- Employer Plans
Management, Analysis, or Recommendations - Recommendation on Outside Investments
Real Estate CMA, Etc. - Individual Stock Analysis
- Advisory input on Tax Planning and Tax Projections
(Coordinating with your CPA and/or Tax Professional)
College Planning
- Basic College Planning Overview
• (ie. 529, ESA, UTMA ...) - Comprehensive College Planning
(CSS vs FASFA and Help with Application)
Client Online Services
- Meetings In Person, Video-Conference, or by Phone
Ensuring you have access to us in an
environment that is comfortable for you. - Online Access to All Aggregate Accounts
- Unlimited Access to Online Portfolio Performance Reports
- Unlimited Access to Goals Based Financial Plan
- Virtual On-Demand Workshops
We also offer a fee for service (hourly services) on an à-la-carte basis.
To Best Serve Our Clients, We Are Limiting
The Number of New Clients Each Month
Get Started TODAY To Ensure Availability!
For your convenience we offer appointment online scheduling 24 hours a day.
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