Retirement Planning
For the last century, retirement was simply what you did after you were done working. As a firm, we think there is a whole lot more to it than that! In fact, we don't even call it retirement, we call it "rewirement."
In this third phase of life, our job is to take care of the stressful parts so you can focus on having fun. While we work on the traditional parts of retirement planning such as monthly cash flow planning, estate organization, and required minimum distributions, we also look at individual goal planning. By removing the dated idea that you have to have a certain number to retire, we can instead focus on your retirement vision and how best to see it through.
With the right partner, and a great strategy, rewirement is bound to be your best phase yet.
Wealth Management
It is never too early or too late to start wealth planning. While we love a good retirement plan, we feel that the most value can be had by looking at your comprehensive wealth plan.
What does this mean exactly? Our wealth management solutions can help you with anything from when to purchase your next car, how to finance your dream home, what funds to set aside for college planning, what to do with inherited funds, how to handle an old employer plan, and everything in between. We like to say, "if it has anything to do with money, it has everything to do with us."
Wealth planning is about helping a client from start to legacy, our favorite journey to partner on.
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Better manage your future with Consolidated Financial. Schedule a consultation today.
Life Planning
A great financial plan helps you execute on your goals and gives you the tools to fill in the gaps in case you aren't able to. In the last ten years we have seen major advancements to coverages such as life insurance and long-term care planning.
As an independent firm, we have the luxury of planning around an individual. Through thoughtful goal planning meetings, and ongoing plan maintenance, we are able to help identify potential vulnerabilities and find solutions as needed.
Estate Planning
Estate planning is about honoring your life and your wishes. Our experienced team can help optimize your finances to serve you best in your legacy phase. We have witnessed first-hand, how a great estate plan can make incredible impact for a charity, generational wealth, and so much more. We know the immense work that goes into accumulating assets and executing a living plan. We believe that all dollars matter when you are building wealth, and hold the same value when you are distributing it. Though we never enjoy seeing a client pass, we sit proudly with beneficiaries to help them transition your legacy.
By optimizing your plan and keeping clean books and records, we can ensure that you leave behind a legacy and not a hassle. The opportunity to sit alongside you, planning a better future for generations to come, is a distinct pleasure.
$0+ Billion
in Assets0K
Clients Nationwide0
Branches in the US0+
Years in Business*Figures updated as of 08/01/2025
Our Process
Invest Better with Consolidated Financial
With over 40 years of industry experience as an independent firm, we take pride in our team and their track record of proven success. We meet clients where they are and journey with them to a better financial future.
Define Goals
It is hard to determine how you are doing, if we aren’t sure which direction you were trying to go. Before diving deep with clients, our advisors conduct thorough goal setting meetings to make sure everyone is on the same page.
1). Data Gathering
Step 1 launches our discovery. We may collect a multitude of information such as, asset statements, debt statements, pension projections, social security estimates, and so much more. The better we understand where you are at, the better we can prepare a path forward.
2). Info Review & Clarification
In Step 2, we take a step back to review the info that we have gathered. We will conduct an initial analysis and prepare questions to discuss together. Once we have completed our Step 2 meeting, we have better clarity to move on to your goals.
3). Goal Setting
Step 3 is all about you. Now that we’ve had a chance to review your documents and clarify questions, it is now time to tailor your custom plan. In this step we blend your available resources with your goals to create the framework for your unique financial plan.
Investment Selection
There is no one size that fits all when it comes to investment planning. Our advisors take the time to truly understand our clients so that our recommendations can be well positioned for achieving your goals.
Risk & Return
Risk and return run hand in hand. We take clients through rigorous planning to determine what risk fits them best and what returns are needed to meet their goals. By never considering one without the other, we are mindful that everyone is running their own personal race.
Tax Efficiency
In the world of tax planning, it isn’t what you make, it is what you keep. Clients in all life phases can benefit from tax efficiency. Let our knowledgeable team show you how to implement tax strategies to compliment your custom plan.
Liquidity
Your time horizon can greatly impact the investments that we use. We are sure to factor in how long you plan to be invested as a major consideration in your financial plan.
Active Management
The world is moving faster than ever. You need a portfolio that will do the same. Our active management, services offered through Lincoln Investment, coupled with our commitment to our clients, is a winning combination. After all, a good plan is actively monitored, and that is what we do best.
Asset Allocation
Active management allows your portfolio to adapt and change based on the current market environment. As your asset allocation changes, models can be used to pull you back on track.
Managed Risk
Portfolios that are actively rebalanced pay close attention to your targeted risk threshold and manage towards it. This helps to keep risk at a level you are comfortable with.
Flexibility
As your plans change, your investment strategy may need to as well. Active management affords great flexibility, allowing you to adjust your strategy as needed. Our independent status as a firm allows us to find what works for you.
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