Full-Service Financial Planner

Services

Areas of Planning

We specialize in helping individuals and businesses develop comprehensive financial plans. We offer personalized, hands-on services to educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and wealth preservation.

Please take some time to explore our services and let us help you find the solution that best fits your needs.

Full-Service Planning

We will work with you every step of the way, providing on-going, active management and checking in with you to make sure you are achieving your financial goals.

Investments

Wealth Management Strategies
Asset Allocation Analysis
Portfolio Analysis (401k, TSP, 403b, IRA)
Alternative Investments, Stock, Bonds, ETFs,
Stock options and Equity Compensation

Financial Planning

Wealth Accumulation Strategies
Cash-Flow Planning, Budgeting
Retirement Distribution Planning
Employee Benefits Analysis
Tax Advantage Planning
College Planning
Planning for Business Owners

Legacy Planning

Wealth Transfer Strategies
Social Security Planning
Medicare Planning
Pension Maximization Strategies
Estate Planning Strategies
Gifting Strategies
Trusts Strategies

Limited Engagement

For clients who want one-time guidance on a specific area of planning

Personalized Financial Analysis

Cash Flow
Real Estate
Employee Benefits
Asset/Investment Allocation
Retirement Planning

Risk Management

Life Insurance- Term, Whole Life, Variable
Disability Income Insurance
Business Key-man Insurance
Long-Term-Care Insurance
Annuities-Fixed, Indexed, Variable

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

marcel.santos@ceterainvestors.com | (240) 406-9790

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