401(k) Plans For The Small Business Owner

“YOUR FINANCIAL PLAN” PROCESS

1) Getting to Know You

During the initial meeting we spend the majority of our time listening to you. We will ask you a series of questions designed to help us to understand your expectations and your tolerance for investment risk. This will help us in selecting investments that you will feel comfortable with. We understand that you will want to learn more about us as well, and we are prepared to answer any questions that you may have. Assurity Financial Group sincerely hopes to impress upon you that we are the ideal choice for a relationship.

2) Sharing Information

“A journey of 1000 miles always begins with the first step.” In order to help you reach your goals, your ultimate financial destination, everyone needs a clear understanding from where we are beginning; this is accomplished through the interchange listed in step one and requests for information outlined in our financial questionnaire.

3) Information Analysis

Once all of the financial information needed has been gathered, we can get a clear vision of the assets and resources available for use.

4) Financial Plan Creations

All things are created twice; first in the mind, then “on paper”. Like an architect, imagining all of the possibilities occurs first. Keeping with the metaphor, ‘form follows function’, so there may be more than one way to reach the final outcome you seek. Assurity Financial Group very well could design more than one solution for your review.

5) Selection and Implementation

Once your custom crafted solutions are ready we present them for your review, selection, modification, and/or fine-tuning. Then we move forward with portfolio engineering; like the architect above handing off the blueprints for construction, we move forward with putting together the pieces (or accounts/financial products) required to build your custom solution.

6) Results Monitoring and Fine Tuning

How is your financial plan performing in terms of delivering the desired end result? What refinements or on-going modifications are required to continually insure the delivery of the end result, your goals? This really takes all involved in a completed circle; now that we have a relationship, you gain peace of mind in knowing there is a continuous, mutually vested interest in your plans overall success.

The 6-step personal financial planning process, or cycle, described above is all about you, and absolutely unique for you.

Assurity Services

What is a Registered Investment Advisor?

A Registered Investment Adviser (RIA) is an investment adviser registered with the United States Securities and Exchange Commission (the SEC) and The Florida Office of Financial Regulation. An Investment Adviser is defined by the Securities and Exchange Commission as an individual or a firm that receives compensation for giving advice on investing in securities such as stocks, bonds, mutual funds, or exchange traded funds. It is also common for investment advisers to manage portfolios of securities.

The "Suitability" standard requires that a Registered Investment Adviser shall make reasonable efforts to obtain information concerning a client's:

1. Financial status
2. Tax status
3. Investment objectives
4. Risk tolerance
5. Other information used or considered to be reasonable
   
   

A Registered Investment Advisor (RIA) must adhere to a fiduciary standard of care laid out in the US Investment Advisers Act of 1940. This standard requires Investment Advisers to act and serve a client's best interests with the intent to eliminate, or at least to expose, all potential conflicts of interest which might incline an investment adviser—consciously or unconsciously—to render advice which was not in the best interest of the IA's clients. A typical RIA evaluates client’s needs and risk tolerance, advises on appropriate investments, monitors client portfolio’s, and provides performance reports and updates.

Assurity Financial Group is a Registered Investment Advisor (RIA) that provides other wealth management services, such as retirement, trust, charitable giving, estate and financial planning services. One of the significant advantages of engaging Assurity Financial Group over other RIA’s is our expertise in taxation. Few Registered Investment Advisers are credentialed with the IRS or U.S. Treasury Department like Assurity Financial Group is; due likely to the fact that tax expertise is not a requirement of being a RIA. While other RIA’s advise seeking professional tax advice regarding any investment decision, Assurity Financial Group has the credentials and expertise to render the type of professional tax advice other Investment Advisers can only ‘refer to’.