What We Do Best

  1. Written Investment Plans- Many of our clients are age 50 and older.  By this age many investors have accumulated assets from many different sources, but most do not have a written investment plan or what we would call an Investment Policy Statement. 

 

                         Creating an Investment Policy Statement allows the client to:

 

    • Clearly see and understand the allocation of their assets before they are invested
    • Written plans act as a blueprint for future dollars added to the plans or can assist with liquidations as needed
    • Greater accountability comes when a plan is written, explained and signed off by the client.  We want to eliminate guesswork as much as possible
    • Written Investment Plans through Ramsier Financial Services have a minimum requirement of $100,000

 

  1. IRA Rollovers & Consolidation of Investment Assets

 

    • When retiring or leaving your company - what do you do with your retirement plan?  Do you need monthly income from this plan?  Are your beneficiaries set up correctly?
    • Much of our business revolves around company retirement plans and assisting former employees with rolling their assets from a 401(k) to an IRA.  Some clients want their IRA invested for growth, some want to have a monthly check sent directly to their bank account.  We specialize in rollovers and all that comes with it - establishing an IRA, investing the proceeds, taking Required Minimum Distributions, proper naming of beneficiaries etc..
    • Need a streamlined plan for those scattered assets? Consolidating assets not only can eliminate some needless fees but allows a client to more clearly see the direction of their overall portfolio. One advisor who can clearly see all assets is much better than two or three who only see part of the picture.

 

  1. Financial Analysis

 

    • When can you retire?  Will your finances last throughout life expectancy?
    • With our fee only approach to Financial Analysis, you can sit down with both Tim and Brent to fully examine your current assets, taxes, retirement plans, social security, pensions, life insurance etc... Our analysis will help determine when retirement is feasible, changes that need to be made to make it feasible or how to prioritize other goals in retirement to maximize the resources you have.
    • With Financial Analysis there is no requirement for us to manage assets.  Our compensation is a pre-determined amount that you will know before you commit to have us do any work on your behalf.

 

  1. Long Term Care Insurance

 

    • Concerned about the ravaging effects a long term care stay would have on your assets?  Consider Long Term Care Insurance.  Don't know what costs are in our area?  Feel free to download our survey of local Long Term Care costs.
    • Make sure you compare policies and benefits – Ramsier Financial is licensed with some of the largest carriers such as GE, John Hancock, Allianz, and Metlife.  This allows us to “shop” for the best coverage, at the most economical cost to insure your hard earned assets.
    • Business owners have great tax incentives when they purchase Long Term Care Insurance.  Click here to see the tax advantages for individuals and business owners.
    • If you are interested in receiving additional information, we encourage you to call and set an appointment with Brent.  Especially with this type of coverage, some time spent educating yourself on what benefits are available and how each of the policies work, is essential.