Financial Planning

A Financial Plan Uniquely Designed for You

Many people express their financial goals in terms of a vision for life as they get older:  they want to know that they can always afford to give gifts to their grandchildren, buy a car if necessary, travel, or live where they want in the manner that they want to live.  And when the time comes, assets in their estate are passed according to their wishes to heirs, taxes are minimized, and money is distributed quickly.

At Norman J. Politziner, CFP®, CeFT® & NJP Associates of Highland Park, NJ, we understand that how you envision your financial goals shapes the plans you’ll need to help you get there.  And we understand that when you retire, you are transitioning to a new life, a new set of priorities, and new opportunities on how you spend each day.  We will listen to you, and communicate in your preferred style – helping to ensure the financial plan we develop together is the plan that gets you to or as close as possible to all your goals.

Our financial planning process includes:

  • First, listening to your story; who you are
  • Examining your current financial status
  • Discussing your goals
  • Helping you make decisions about your financial future, including:
    • Modeling different scenarios for investing, when to retire, or the impact of working part-time
    • Recommending investments
  • Integrating Social Security into your financial plan
  • Using trusts to ensure your assets are passed to your heirs as you wish
  • Using charitable strategies to provide tax-advantaged giving, including
    • Charitable trusts
    • Family foundations
  • Strategies to minimize estate taxes
  • Advising on a Living Will and Powers of Attorney
  • Assigning IRA beneficiaries properly to minimize taxes

Most people are more comfortable when they know precisely where the money will come from to pay the bills and meet current and longer-term needs during retirement.  Your retirement plan from Norman J. Politziner, CFP®, CeFT® & NJP Associates will identify the specific accounts that will fund each aspect of your retirement life.

We should plan for our retirement as early in life as we can.  Starting to save when we are younger is much more effective and efficient than putting away larger sums later.  No one knows what the future holds, but proper planning for our retirement years (and beyond) can help to ensure the feeling of comfort for ourselves and our families, and that our wishes are carried out.

 

 

Disclosure

Norman Politziner is a Registered Representative and Investment Advisor Representative of Equity Services, Inc., offering securities in the following states. He is also insurance licensed in the following states. Securities and Investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC, 4401 Starkey Road, PO Drawer 21209, Roanoke, VA 24018. (540) 989-4600. NJP Associates and all other entities and persons are independent of Equity Services, Inc., unless otherwise indicated. TC91790(0916)P

 

For individual tax or legal advice, please consult your appropriate professional advisor.