Hometown Financial takes pride in its all-encompassing 360-degree approach to financial forecasting and wealth management. Unlike typical money management strategies that focus on just one or two facets of wealth planning, our 360-degree technique takes into account every aspect of our clients’ financial existence. What does this mean for you? A more thorough, detailed, and tailor-made plan for building wealth that serves your unique needs.
At Hometown Financial Services, we understand the importance of protecting your business, family, and possessions. We provide comprehensive insurance solutions, including life insurance, income protection, long term care and more; to protect you against unforeseen circumstances that could change your financial picture entirely.
Estate planning is an important aspect of financial planning that you should not overlook. In partnership with a qualified attorney or your preferred attorney, we can help you prepare a comprehensive estate plan that ensures your assets are distributed according to your wishes while minimizing tax liabilities.
Retirement planning is a crucial step towards securing financial stability in your golden years. We can help you navigate the "When, where, what, why, and how" of this equation with customizable investment options and experienced advice. We can also help you develop a plan to maximize your retirement savings and minimize taxable income.
We offer personalized portfolio management services designed to fit your unique goals and risk tolerance. Our team of professionals can provide active supervision and guidance to help you make informed decisions that align with your investment goals.
We work in collaboration with your tax professional or one of our trusted partners to help create a comprehensive tax plan designed to help minimize your tax liability. Whether you are an individual or a business owner, our goal is to help you reduce your tax bill while remaining compliant with tax laws and regulations.
Life insurance can be a critical part to many financial plans; to cover estate tax bills, have an alternative asset class, pay off debts, fund the buy/sell agreements, fund executive compensation plans and more.
Having a loved one or yourself require ongoing care for medical needs, can severely derail any financial plan. There are ways to leverage your existing dollars to protect against this all too real risk.
For many people, their ability to earn income is their biggest asset. We insure our cars, our homes, however some people neglect to insure or are underinsured for their largest asset, themselves.
If you are looking for ways to save money for college, we have different options tailored to fit your needs. Our UTMA, 529 plans, and prepaid college credits come with different advantages depending on the specific needs of the client. We can help you determine which one is respected for your unique situation and customize a plan that can help you cover the costs of higher education.
Charitable giving is an essential part of a well-rounded financial plan that benefits the community while providing tax benefits. We can help you find charitable organizations aligned with your passion, develop a custom giving plan, and provide guidance on the tax implications of charitable giving.
