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Financial Planning

 

Many experienced financial planners charge retainers and fees for professional financial advice similar an attorney for professional legal advice. Our Certified Financial Planner charges no fees charged to clients for these services.
We have a turnkey planning process that simplifies planning, giving our clients peace of mind - the first step begins with a complementary review!

Most of the time during our financial planning process we uncover client needs relating to their qualified retirement plans at their former employers, such as the following: 403b, 401k, 457, or Thrift Savings Plan(TSP).

Sometimes it's beneficial to leave them there, but most of the time it's beneficial for these funds to be moved into an IRA. This gives the client more flexibility, choices and allows for everything to be under the same roof. Furthermore, subject to contribution limits it allows working employees to contribute and defer more earned income, up to the legal annual limits.

We also have the ability to create 401ks, Simple IRAs and SEP IRAs.

Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?

We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions.

We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.

Being a full service financial advisory, not only do we provide retirement and wealth planning services to individuals, but we are able to service small to medium sized businesses and high net worth client's unique situations.

We are experienced in the creation of money purchase plans, profit sharing plans, legacy plans and business buy/sell agreement funding.
Our senior advisor is a Certified Financial Planner with years of estate planning experience, coupled with a network of reliable CPAs and estate planning attorneys.

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Insurance

 

We do everything we can for our loved ones, not because we have to, but because we want to. With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.

If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options, you can find the right guarantees, flexibility and cash value options to fit your needs.

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.

Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.

If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment. If the broken arm meant that you could not work, you could then file a claim for short-term disability benefits in order to begin receiving weekly replacement income.

Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.

In the late 1990s, a new financial product was developed to help consumers cover expenses associated with critical illness. Appropriately, it's called Critical Illness Insurance.

This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.

Personal property coverage is the type of insurance that can help protect the items in your home, like your furniture.

Your belongings are likely worth much more than you might think, and if they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Dvorak Wealth Management can also help insure you car, motorcycle, boat, or recreational vehicle.

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Give us a call to set up your free consultation: LET'S GET STARTED

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FREE RETIREMENT ROADMAP DOWNLOAD

There are many places to get help with your retirement planning. If you're a do-it-yourself kind of person, or you're just looking for some basic guidance, you can check out online resources to learn the basics (you're off to a good start!), and I'm here to help answer any of your questions.