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There is as infinite a variety of approaches to financial planning as there are people. Every individual's personal situation is different, and we all have different goals for how we hope to be able provide for our families and manage financial risk. The Financial Advisors at SG Long & Company respect the fact there is no such thing as a 'standard' financial plan, and will work with you to both clearly define what your needs and goals are and to help you achieve those goals. Listed below is a summary list of some of the services that we can offer in the interest of assembling a complete financial plan for you and your family or business.

Retirement Planning describes the process of initially determining what you and your family will need from a financial perspective in order to retire with a lifestyle that you deem appropriate. Once that target is established, your Financial Advisor can help you construct an approach to investing that affords you the best chance to reach those goals. Many of us are surprised to learn just how much money we will have to save in order to retire comfortably. As such, it is vitally important to integrate retirement planning into you and your family's financial plan as early as possible. Saving is a lifestyle, and the earlier you start living that lifestyle - the earlier you'll be able to enjoy the benefits of the retirement.

401k, 403b, IRA and PSP (Profit Sharing Plans) are a few of the retirement savings vehicles that an individual may participate in. Some, such as 401k plans for example, might be offered to an employee as a benefit for working for a particular firm while others, such as an IRA potentially, might require completely self-directed savings. All of the above offer varying levels of current tax deferral benefits, providing the investor with additional incentive to begin saving for retirements. There are a variety of legal and tax intricacies involved in all qualified plan structures, so it is therefore important that you consult with your SG Long & Company Financial Advisor before participating in or establishing one of the above programs.

Estate Planning involves the process of establishing a financial plan that most effectively transfers your lifetime of wealth to your heirs. The estate tax structure seems to change on a constant basis, and as such it is important to establish estate plans in as attractive an environment as is possible. There are a wide variety of investment structures that offer differing benefits to those wishing to protect their estate assets. One such structure is a trust, which is outlined in more detail below.

Trust Management refers to the process of initially determining which trust structure best suits the needs of the contributor and then subsequently appropriately managing the assets that ultimately define how the trust grows over time. The Financial Advisors at SG Long & Company have the experience and expertise necessary to advise clients in both vital steps of the process.

Insurance Planning provides the foundation on which the financial plan sits. The risks of unexpected negative events can dislodge us from our goals - and this is where good insurance planning steps in to mitigate the ramifications of unanticipated disasters. Whether it be the untimely death of a family's provider or the temporary disability of a primary wage earner, good insurance planning can lessen some of the financial impact of life's catastrophes.

A complete financial plan is a necessary component of any long-term business or family strategy. After visiting with us, our clients find comfort in the knowledge that they are more prepared for what life throws at them. The Financial Advisors at SG Long & Company will help you more clearly define what your objectives are and how you achieve your goals. We are all different, and we all deserve individual financial plans.