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Financial Planning

Our Financial Planning Philosophy

At Barker Financial, we understand that Financial Planning is not just about investing.  A financial plan should incorporate all aspects of your financial life – from investing, to insurance, to estate planning, to retirement goals and risk tolerance.  The result should be both an answer to your financial questions and a road map to help you reach those goals.  At Barker Financial, we take the time to ask questions, really listen to your responses, and learn about your unique situation so we can craft a plan that truly meets your needs.  As life happens, we revisit the plan often and make sure we are adjusting as needed.

We invite you to click on any of the topics below for more information about our planning process, as well as videos and presentations about each subject.  

Retirement Planning

What does retirement mean to you? Travelling the world? Starting a new career? Or maybe you don’t plan to retire at all! Retirement doesn’t mean the same thing to everyone, so retirement planning should take that into account. The advisors at Barker Financial Group, Inc. are well versed in all types of retirement plans, IRAs, and other savings vehicles. We can help you calculate how much you need to save, as well as when to start taking distributions in order to meet RMD regulations and minimize the tax impact to your accounts.

Insurance Advice

There are many different insurance products available and deciding if you need coverage and what to choose can be overwhelming.  During the planning process, we will review any existing policies you may have and make recommendations on changes or additions.  In many cases, the right insurance product is a good addition to your overall financial plan.  We can help you analyze the options and, if it makes sense for your individual circumstances, show you how it fits with the other pieces of your financial puzzle.  Because we receive no compensation in any form for insurance consulting, you can be assured that we provide objective advice.

Estate Planning

Estate planning is an important piece of your overall financial plan.  You worked hard to build your wealth, so shouldn’t you take the time to ensure your legacy gets passed on according to your wishes?  At Barker Financial, we work in tandem with your estate planning attorney to ensure proper gifting strategies and wealth transfers, as well as matching the plan to your overall, long-term financial goals. We can also incorporate the financial needs of your children, grandchildren, and other family members into your wealth management plan.

Social Security Benefits Planning

Deciding when to start taking Social Security benefits for yourself and/or your spouse can be a confusing and stressful process.  We will walk through the different options with you and can even show you how your plan would change depending on which option you choose.  Understanding each outcome will give you peace of mind that you have selected the option that is best for you.

Education Planning

If you have children, whether they are small or about to go off to college, thinking about paying for a secondary education can be scary, but the sooner you start saving, the longer your money will have to grow.  Our advisors will talk with you about your savings goals and help you set up an age-specific portfolio in a tax efficient 529 college savings plan.  As your children get older, we will revisit your goals periodically and adjust our strategy as necessary.

For more information about our firm and the services we offer, send us an email or call the office. We would welcome the opportunity to speak with you.   |  781-743-2600