Planning for Financial Freedom
Where to Begin
Good planning can help you take control of your finances.
By understanding where you are today, and where you
want to be in the future, you can make smarter financial
decisions.
With a professional plan from AXA Advisors you
can develop a strategy to help you:
- Save enough for a comfortable retirement
- Pay for your child’s college education
- Protect your family in case you become disabled
- Achieve your investment goals
- Leave a legacy for your heirs
How to Begin
AXA Advisors offers two options: a financial
plan or a needs analysis. What’s the difference?
-
The fee-based financial plan looks at your
total financial picture to provide objective financial
advice based on your goals. It can give you a comprehensive,
recommended road map for organizing and addressing
a wide range of major financial objectives, or a
single specific goal. These services are offered
by investment advisor representatives of AXA Advisors.
-
The non-fee needs analysis keys in
on identifying suitable products to address specific
goals that you choose – such as your retirement
or sending your children to college.
After an initial conversation with one of our financial
professionals, you can decide the planning approach
that works best for you.
Either way, our professional approach can help you
determine your:
- Strategy: build a focused plan with quantifiable
goals and timelines
- Portfolio: develop a properly allocated,
diversified portfolio
- Products: purchase products that best fit
your portfolio
What’s in a Plan
A financial plan can help you address all or some
of the following issues, while a needs analysis will
focus on those you select:
- Retirement Accumulation and Distribution
- Risk Management and Survivorship Needs
- Education Funding
- Major Purchasing Decisions
- Estate Planning *
- Asset Allocation
Retirement Planning
- Understand the resources you’ll
need for a secure and comfortable retirement
- Analyze your assets and sources of retirement
income that will help you to meet your retirement
income objectives
- Take advantage of the power of compounding to
help ease the burden of saving for retirement
- View estimated shortfalls and determine alternatives
and strategies to help address them
- Identify the appropriate ways to save for retirement
given your financial situation and risk tolerance
- Balance your retirement needs with those required
to start a family, purchase a home, send your children
to college or help take care of your parents financial
needs by developing a flexible long-term plan
Education Funding
- Understand the resources you’ll need to meet
your educational expenses
- Analyze your assets and resources that will help
you to meet such costs
- Take advantage of the power of compounding and
help ease the burden of saving for college
- View estimated shortfalls and consider general
alternatives and strategies to help address these
potential shortfalls
- Determine the appropriate ways to save for college
given your financial situation and risk tolerance
Major Purchase Goals
- Ensure you have enough money in reserve in case
of emergency
- Understand the resources necessary to acquire
a vacation home, enjoy your dream vacation, start
your own business or achieve other savings objectives
- View estimated shortfalls and identify alternatives
and strategies to help address these potential shortfalls
- Determine the appropriate ways to meet your
savings goals given your financial situation and
risk tolerance
Estate Planning*
Working with your lawyer, accountant or other qualified
professionals, an AXA Advisors financial plan can
help you:
- Maximize the value of your estate by saving
tax dollars**, professional fees, and court costs
- Minimize the costs of probate, creditors,
lawyers, and estate taxes, which can negatively
impact the value of your estate
- Stay in control of your own affairs by providing
instructions for passing your estate on to your
heirs
Asset Allocation
-
Understand what steps you can take
to help you maximize your investment returns
-
Take steps to help minimize your risk and match
your investment portfolio to your specific financial
goals
-
Understand how you can help to increase predictability
of your investment returns
- Consider the short- and long-term effects of
a specific investment on your overall life goals
Putting the Wheels in Motion
A financial plan’s true value comes with its implementation.
Your financial professional can recommend products
to help you meet your investment and protection goals.
And as your needs change over time, he or she can
help make sure you stay on track. Periodically reviewing
your plan will go a long way towards making smart
financial decisions.
Just Getting Started?
Aren’t ready for a comprehensive plan? Do you really
only want to address a specific issue?
We can prepare a simplified financial needs analysis
at no cost that can estimate your needs and strategies
for
- Education Savings
- Retirement
- Capital Accumulation
- Insurance Needs
- Asset Allocation
* Funded through the use of life insurance and other
financial products
** AXA Advisors and it's representatives do not offer
tax or legal advice. Please consult your tax
and/or legal advisor for your particular circumstance.
