Creating a Financial Plan

Learn | Plan |Act | Repeat

Your financial plan is a dynamic road map that will encounter changes through the stages of your life. In order to ensure that your plan stays on-track, we utilize tools to learn, plan, act and review your targeted goals.

Learn. Your financial advisor will take time to understand your current situation, your goals for the future and your questions and concerns along the way. As your guide, he or she will work with you to create a financial needs assessment that encompasses your goals today and for the future.

Plan. Once your advisor clearly understands your plans and requirements such as your budget, ability for future investment, income needs and risk tolerance, the planning can begin.

In addition to applying his or her expertise to your situation, your advisor has sophisticated tools to aid in providing a plan tailored for you.

Act. Your plan may include a recommended asset allocation that will reflect the appropriate mix of equity, fixed income and cash that will best help you reach your goals. Your advisor will also discuss which specific investments are best suited for your portfolio.

Repeat. As you move through the various stages of your life, you will encounter changes that may impact your plan. Your advisor will review your plan with you to stay informed about life changes and amend your plan to ensure those goals remain within your reach.

The Ziegler Advantage

Your Ziegler financial advisor has the expertise and tools to get you started on your journey. To receive your financial plan, contact your advisor orour Client Service Center at 1 866 943 4537 or clientservice@ziegler.com where you will be connected with an experienced advisor to help you establish a plan today.

Financial Planning for Your Goals

GOAL = WEALTH
During your working years, you’re striving to accumulate wealth, while facing short-term goals such as funding a vacation, purchasing a new home or remodeling your current one, or perhaps financing a new car; intermediate goals such as college education savings or chipping in for a child’s wedding; and long-term goals such as retirement. Juggling it all can be a challenge, but a financial plan can help keep the big picture in focus.
GOAL = INCOME
As you transition into retirement, you will need to replace the income you were earning in your working years. Have you saved enough? Will you have enough income in retirement to fund your lifestyle? Will you need to make adjustments? You may find that your tolerance for risk has changed, and will need to make adjustments to your asset allocation. A financial plan can help you successfully navigate this transition.
GOAL = SAFETY
We all ask ourselves the “What if?” What if my health fails? What if I need to retire early? What if the economy takes a downturn? Within your financial plan, you can prepare for these types of situations by determining if you have the proper amount of life insurance. You may also consider investing in annuities, which have features that can offer added security to your financial future.
GOAL = ESTATE
As you consider your financial future, a financial plan will help you plan beyond your years. How will you provide for your children, their children and organizations that are important to you? Planning for taxes and estate laws can be complicated, but a financial advisor can work with your tax professional and other trusted advisors to create a plan that is right for you.

Our planning services are not financial planning (unless they are specifically called investment consulting services). The do not create an investment advisory or a fiduciary relationship (including under ERISA) between you and B.C. Ziegler and Company. B.C. Ziegler and Company will prepare a financial plan at your specific request through MoneyGuide Pro®.

Investment consulting services are offered at B.C. Ziegler and Company only through investment advisory programs and are not available through traditional brokerage accounts and products. Please speak with a Ziegler Wealth Management financial advisor to further discuss the differences between brokerage and advisory products offered by B.C. Ziegler and Company.