Our team will execute your investment strategy and be your main point of contact for your financial reporting, communications, and results. Our solutions are cost-effective, thorough, and customized for your specific needs. We also aim to surround you with highly successful, experienced professionals, such as attorneys and Certified Public Accountants. Ultimately, we look to develop long-term relationships grounded in trust, communication, and results.

Our knowledge and insight into the stock market enables us to craft an investment portfolio uniquely tailored to you. Through ongoing collaboration and monitoring, our team is able to discover new avenues for you to invest your wealth and accomplish your goals. In addition to managing your investments, we'll educate you on the rationale behind each investment decision so you're well-versed in the logic of our approach.

Retirement Planning

One of our specialties is helping you to plan for retirement. We know that it can be complicated and overwhelming, and as our clients consider retirement, they often have three main questions:

• When will I be able to retire?

• How will I earn an income?

• Will I still be able to enjoy my current lifestyle?

Whether you're five years away from retirement or 20 years away from retirement, we'll help guide you through the steps necessary to secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we'll identify the income sources and opportunities that are most advantageous for you as you prepare for your life past employment.

Creating Your Financial Plan

At the MB Group, we strive to provide detailed, customized recommendations for our clients' unique situations. That all starts with creating a financial plan.

What to Expect?

We will sit down with you at our initial "data gathering meeting" to assess your current financial situation. We will ask you questions that will provide us the information we need to complete your plan. Some questions include: What is your income? How much are you saving? When would you like to retire?

What's included?

Our financial plans include a detailed assessment of your assets and liabilities to determine your current net worth. We will also work with you on developing a savings plan to meet your life goals/milestones such as saving for retirement, paying for college, or buying a vacation home. We list all of your goals and develop a tax-smart savings plan and customized investment strategy to help you plan ahead and meet those goals.

What information will my advisor need from me?

The foundation of a financial plan starts with information such as your age, and family information. Are you married or do you have kids? We will then ask about your income and any savings you have. We will gather information on any assets such as 401(k)s, IRAs, bank accounts, or properties as well as any liabilities such as a mortgage, student loans, or credit card debt. We will also ask you if you have a set age in mind to retire or any other goals like paying for college.

What does our process look like?

We will work with you on completing a brief questionnaire to provide us the data we need to create your plan. We may follow up with you if there is any additional information we need before completing and presenting your plan. We will then schedule a meeting to review the plan with you and create a strategy to implement the recommendations needed to meet your goals.

What are the benefits of getting a financial plan?

We like to say that creating a financial plan helps us as much as it helps our clients. By going through the process together, we can better-know and understand the intricacies of your unique situation. A financial plan allows us to create detailed, specific recommendations based on your situation, and allow us to track the progress towards meeting those goals. As market environments change or as your life changes, we will work with you on continually making updates to your plan so you can feel confident you will always be on track.

Strategic Tax Planning

You don't have a choice about paying taxes, but you can avoid making the mistake of overpaying them. While it's hard to imagine anyone intentionally paying too much in taxes, the IRS estimates that more than one billion dollars is overpaid in taxes each year. That's no surprise when tax laws change every year—even in years when no major tax legislation is enacted.

How much of that money is yours? Wouldn't you rather see those funds in your bank account or put aside for your retirement or other financial goals?

A Year-Round Process

We will work with you to help identify the tax-saving approaches that apply to your situation. We work with you throughout the year, not just when it's time to prepare your return.

You might be able to save on taxes by:

• Restructuring your investment portfolio to produce a higher after-tax return

• Shifting income to dependents in a lower tax bracket

• Claiming appropriate home office deductions

• Maximizing qualified plan and IRA contributions

• Identifying all the deductions that apply to your small business

If you're like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. Careful tax preparation and planning can free up money that you can use to achieve your goals. As personal income tax specialists, we will help you aggressively pursue every deduction you are lawfully entitled to.

Life can be unpredictable, but we can help you plan for those inevitable twists and turns with strategic insurance solutions.

Protect What Matters Most

Part of our job as your financial team is to surround you with the best resources, tools, and other partners who can help you feel most secure about your financial future. When we build your financial plan, we look for ways to provide helpful options that may enhance your overall portfolio while meeting your specific objectives.

After discussing your many dreams and goals, we will work with you to identify the insurance products or solutions that may best meet your needs. We aim to provide you with the information and guidance you may require so that ultimately, you can feel more prepared for whatever life throws your way.

Some of the products we may consider for you include:

• Whole Life Insurance

• Term Life Insurance

• Universal Life Insurance

• Variable Universal Life Insurance

• Disability Insurance

• Long Term Care Insurance

• Variable Annuities

• Fixed Index Annuities

• Fixed Annuities