(Comprehensive) Financial Planning
Our team uses a top-down approach to develop your plan. We scrutinize your situation regularly, examining your plan to uncover any potential obstacles that would prevent you from pursuing the future you envision.
Investment Management
As an advisory representative of Lincoln Financial Securities, C. Beach Brown applies systematic, disciplined, and deeply researched methods to selecting and re-evaluating investment options that suit your risk level and are designed to pursue your needs. Depending on your specific financial needs, we may consider managed money, mutual funds, unit investment trusts, variable annuities, alternative investments, equity indexed annuities, and cash management strategies to help you pursue your goals.
Cash Flow Management
The more your debt grows, the more daunting it becomes to get out of it. We can help you develop a plan to manage and minimize your debt before moving on to other financial goals. We’ll work with you to understand your cashflow and where your money is going. From there, we’ll strategize a payoff plan and a budget to keep you on track.
Retirement & Income Planning
Much of our focus at C. Beach Brown is helping individuals and businesses prepare for the future which is why we handle both personal and business retirement plans. We help you determine how much to contribute and educate you about the different vehicles available to you.
They include:
• 401(k) plans
• Deferred compensation plans
• Pension plans
• Profit-sharing plans
• SEPs
• SIMPLEs
Based on your goals for retirement and resources, we’ll work with you to develop an income plan and offer solutions to help your assets last throughout your retirement. Your plan doesn’t stop there – we continue to meet with our clients after retirement, to review plans and investments, and help stay focused on their retirement goals.
Risk Management Planning /Analysis
Insurance and risk planning is an important part of your financial security. Our team of long-term care, disability, and experienced life insurance consultants work with us to develop a strategy that is designed to work for you. Using that strategy, our consultants evaluate the options and select the policy based on your needs.
Education Strategies
We understand that our clients want the best for their children – part of that is providing them with a college education and relieving them of the burden of student debt. As education costs increase, the sooner you start planning for your children’s educational future, the better.
We incorporate education funding into your comprehensive financial plan by creating a timeline, evaluating the expenses, and discussing your funding options.
Charitable Giving Strategies
Charitable giving is meaningful to investors and non-investors alike. As an investor, we’ll work with you to understand if a donor- advised fund is a good fit for you. Donor-advised funds allow you to donate securities and direct your contribution to your registered charity of choice and receive a tax-deduction immediately.
Estate & Legacy Planning
Having a will and trust is great start when it comes to your estate planning – we can coordinate with your estate planning attorney to help you understand the complete picture of what happens to your assets after you’re gone.
This means:
• Making sure that your wealth is set to transfer to the appropriate beneficiaries.
• Reviewing the tax implications.
• Educating you on the process that your loved ones would encounter when it’s time to transfer your estate.
• Identifying giving strategies and working with trust administration professionals to establish your legacy plan.
We also work with you and your estate planning professional to keep your estate and financial plan aligned with your goals.
