There are many outstanding Fortune 500 corporations headquartered in Chicago, representing aviation, manufacturing, technology and many other industry sectors. These companies have a lot to offer their executives and employees, including great benefits. Unraveling your corporate benefits and maximizing them based on your unique goals and vision for your life is our superpower. Arbor Financial Advisors can help you optimize your employer’s benefit package, including stock options, pensions, matching 401(k) plans, and more to help you get the highest possible return, inclusive of your current and future tax situation.
While your greatest opportunity for asset accumulation may be your employer, we don’t stop at your benefits package when crafting your customized approach to financial success. A robust and comprehensive plan must include a 360-degree look at potential growth and taxes, as well as risk management, protection and legacy. As an independent firm, we work hard to offer you a complete package of services and strategies to round out your financial plan, helping ensure that you stay on track while navigating both expected as well as unexpected life challenges. Here are some of our other services which may be included in your plan.
Cash Flow Planning
We help you optimize your cash flow plan to 1) cover your ongoing expenses and purchases, 2) help ensure you have an adequate emergency fund, 3) contribute the right amounts to your employee retirement and benefits accounts, and 4) invest in your own personalized portfolio.
Investment Planning
When it comes to your portfolio, investment planning is more than just buying and selling securities. We’ll also help you consider and adjust to new laws and regulations in order to find potential advantages and new options which may be available to you.
Tax Management & Planning
The purpose of tax planning is to ensure tax efficiency. It includes understanding the tax ramifications of different types of accounts, and whether or not to save in pre-tax or after-tax accounts like Roth IRAs (individual retirement accounts).
Education Planning
Most parents have a difficult choice to make between saving more for retirement, or saving more for their children’s education expenses. We can help you choose investment vehicles and allocate how much to save in which types of accounts based on your goals.
Family Protection
Insurance planning is a critical component of a comprehensive financial plan that includes evaluating life risks and determining the proper insurance coverage for you and your family’s needs. In addition, long-term care insurance (LTC) can provide funds in case you need help with day-to-day activities someday, as many people do.
Retirement Planning
Retirement requires a completely different approach. We help construct a retirement income forecast and expense projection, where all assumptions are evaluated for accuracy specific to the situation of the future retiree. Only after all the assumptions have been discussed and agreed upon (including retirement expenses, retirement age, family mortality rate, inflation rate, rate of return on investments, etc.) do we think you should set your retirement date.
Estate Planning
Having the basic estate planning documents (a will as well as durable powers of attorney for finances and health, including a living will) can give you peace of mind. Without those legal documents, your loved ones are in the dark and can’t help you even if they desperately want to.
Benefits Planning
We can help you optimize your employer’s benefit package, including stock options, pensions, matching 401(k) plans, to help you get the highest possible return, inclusive of your current and future tax situation. Unraveling your corporate benefits and maximizing them based on your unique goals and vision for your life is our superpower.
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Arbor Financial Services is a comprehensive financial advisory firm providing personalized financial planning and investment management services in Chicago. Our mission is help you plant the financial seeds to help you grow and thrive in life, helping you build a lasting legacy with deep roots.