At Strait Financial Advice, we believe long-term financial planning should do more than just account for post-retirement living expenses. Instead, our retirement savings strategies are designed to provide for what should be a time to enjoy the rewards of your labor in the manner you desire.

Our firm’s commitment to estate planning is grounded in the realization that our clients have worked hard to establish financial independence for themselves and their families. After consulting with our clients to determine their unique needs, aspirations and values, we work with them to craft a comprehensive plan for the preservation and transfer of their wealth.

Saving for education expenses – whether for your children or grandchildren – has never presented a more daunting challenge. Fortunately, Strait Financial Advice has access to a wide array of education savings vehicles that can help you turn a child’s dream into reality.

As an independent financial firm, Strait Financial Advice has access to many world-class products and is not limited to the offerings of a single company. From these options, we will work with you to identify products that match your investment objectives.

- Fee-based Asset Management

- Stocks

- Bonds

- Mutual Funds

- Life Insurance

- Annuities

• Objective independent investment research
• Portfolio monitoring to ensure your investments and risk tolerance are aligned
• Tactical Asset Allocation to seize opportunities that may offer potential advantages
• Regularly scheduled meetings to review and evaluate your investment performance, update your financial objectives and, if necessary, re-allocate your portfolio.
• Recommendations regarding allocation and selection investments within your employer-sponsored retirement plans, such as 401(k)s

What this means for you: Strait Financial Advice offers the expertise and a disciplined approach that we feel are critical to helping you reach your important financial goals.

• Tax-reduction strategies based on a comprehensive review of your tax return
• Free consultation with your tax preparer
• Tax solution recommendations, including tax-advantaged investments
• Cost basis analysis and data at your request

What this means for you: Strait Financial Advice’s expertise can help you improve tax efficiencies in an effort to put more of your hard-earned money to work for you.

• Analysis of your future income needs and income sources at retirement
• Recommendations regarding the best way to integrate and distribute your retirement, Social Security and other Defined Benefit assets

What this means for you: Strait Financial Advice can help you choose a distribution strategy that aims to offer insulation from market volatility – adding the potential for stability, control and financial confidence to your retirement.

• Analysis of current assets and liabilities
• Assessment of cash flow needs for surviving spouse and/or children upon death
• Analysis of current life insurance and long-term care insurance policies
• Assistance with your will, trust, and passing assets on to your heirs
• Estate planning strategies to minimize the amount of estate taxes that your heirs will owe are your death

What this means for you: Strait Financial Advice can help ensure that the process of passing on your assets to the next generation happens as effectively and efficiently as possible.

• Semi-annual or annual reviews based on your age, needs and preferences
• Quarterly economic newsletter
• Special reports on important financial issues, including tax-reduction strategies
• Invitations to Strait Financial Advice educational and client-appreciation events

What this means for you: Strait Financial Advice offers you the information you need to be an empowered investor as well as many opportunities to feel appreciated.