A PLAN THAT PUTS THE BEST FINANCIAL CHOICES IN YOUR HANDS
Your plans, our planning services. You've got big ideas for the future. And at Xefast , we've got a full suite of financial planning services to help make it all happen.
These days, it's more important than ever to have a plan. Our version of financial planning not only gives you the confidence to know you're ready for anything, but is also designed to help you reach all your goals in the days ahead. Our advisors will design a personalized financial plan with the right insurance and investment strategies, so you can take care of the people and things that matter most. And with the highest financial strength ratings of any US life insurer1, you can count on Xefast to be here whenever you need us. After all, we've been going strong for over 7 years
OUR VERSION OF FINANCIAL PLANNING
Some companies only focus on insurance. Others on investments. Our advisors look at your financial big picture and recommend the right insurance and investment strategies in one integrated financial plan, designed to help you live the life you've always wanted.
START WITH WHERE YOU ARE
To get you where you want to go, we'll look at where you are today.
- Your priorities, values and goals
- Your income
- Your assets
- Your liabilities
PROTECT WHAT YOU HAVE
Life is full of ups and downs. We'll help make sure you have everything you need for both.
- Life insurance
- Disability insurance
- Emergency fund
- Long-term care planning
TACKLE YOUR DEBT
We'll help you balance paying down debt while you make progress on other goals.
- Credit card debt
- Student loans
- Mortgage and other loans
PUT YOUR PLAN INTO ACTION
Get realistic saving and investing strategies to help achieve each of your goals.
- Growing your family
- Buying a home
- Saving for college
WHEN SHOULD I START SAVING FOR RETIREMENT?
While having a 401(k) or IRA is a great start, a solid financial plan takes a closer look at the income you have coming in, and the amount you'll need to supplement. The earlier you start planning, the longer you have to build up your savings and put your plan into action. But even if you plan on retiring in the next year or two, there's time to get prepared.
The things you see yourself doing when 9-5 no longer belongs to someone else. The places you picture yourself exploring. The people you intend to spend it all with. If you can imagine the way you want to retire, you can plan for it. With employer pensions on the decline and uncertainty surrounding Social Security, retirement planning is more important than ever. At Xefast , we can help you understand exactly how much you'll need to retire the way you want, and develop an income strategy to get you there. We'll look at your expenses, priorities, and goals and help you put your money to work, so you can take some well-deserved time off.
PUT TIME ON YOUR SIDE
We often hear about the importance of starting early to save for retirement, but it's hard to visualize the difference that starting early can make. Regardless of the rate of return (as long as it's greater than zero) a person who only saves from ages 25-35, will always have considerably more money by age 60, than the person who saved from ages 35-60. Thanks to compounding interest, you can end up with more money, after saving for fewer years, as long as you start earlier.
PRIVATE WEALTH MANAGEMENT
Your financial goals are uniquely your own, so Xefast will design a wealth management strategy that's just for you. Your strategy will emphasize the things that matter most in your personal situation; whether it's growing your wealth, drawing steady income, preserving your capital, minimizing taxes, or some combination of these factors. One thing you can be assured of is having an exceptional team of people working hard to earn and keep your trust as we pursue your vision of the future together.
A BROADER PERSPECTIVE FOR BETTER WEALTH PLANNING
Every great financial plan should begin with the plans you have for your life. So we start by understanding your vision, values, and evolving goals before recommending anything. We then design a comprehensive plan that combines advanced investment and risk management strategies, allowing you to invest even more confidently.
A COMMITMENT TO EVERY GENERATION
Building an enduring legacy comes from working with an enduring firm. Our Private Client Group firms build teams to plan with all generations of your family, even before they have wealth of their own. Through our multigenerational planning, we'll help you protect and preserve what you've worked so hard for.
- Minimizing risk by preparing for surprises.
- Safeguarding your business with coverage to help offset the loss of cash flow in case you become sick or hurt.
- Recruit and retain employees with competitive benefits programs.
- Transition your business smoothly with a well-designed business succession plan.
- Integrate all aspects of financial planning for your business as well as your personal life.
Your business is our business.
From initial startup to eventually passing your business on, we're here to help you at every
stage. From protecting against risk and managing growth, to attracting and retaining the top
talent, our business services will be there to guide you.
As a business owner, you probably have lots of standing questions, like:
- How can I attract the best people to best grow the business?
- If I get hurt or die, what happens to my business?
- Do my suppliers and vendors feel confident that my business will offer continuous service?
- Can my business fund the retirement I envision?
With so much on your mind, it's nice to know that professional guidance is there for you. At Xefast, we offer expert guidance through our advisors, who are in business for themselves as well. This expertise has earned us the designation of one of the best Asset managers in global market Our advisors can advise you about whatever is most important to you and your business. We'll help develop a personalized financial plan with solutions designed to meet the unique needs of your business, including:
LIVE LONGER, BETTER.
What is long-term care?
Long-term care is something that most people may not think they need, or might think is covered by health insurance or Medicare. The fact is, if you live to be 65, there's a 70% chance you'll eventually need some kind of long-term care.
But aging isn't the only reason to plan for long-term care. it's there for you if a chronic illness or disabling injury prevents you from living on your own or properly caring for yourself, no matter how old you are. Long-term care helps with day-to-day tasks like bathing, eating, getting dressed, and getting in and out of bed. And it includes care provided by nursing homes, assisted living facilities, adult day care centers, hospice facilities, and skilled nurses or home health aides in your (or your loved one's) home. If you're not the one who needs it, there's a good chance you'll need to help care for a loved one.
And having a long-term care plan in place can help you continue to live well without sacrificing the income, investments, and savings you've worked so hard for.
Reasons to plan for long-term care
You want to be able to get quality care quickly. If something happens, a long-term care plan helps you have the funds ready when you need them.
You want the freedom to either stay at home, or get care at a good facility. Whatever choice you make, having a long-term care plan in place helps you afford it.
You want to protect your nest egg. Planning for long-term care can help prevent losing a lifetime of savings.
You want to be able to leave an inheritance. Long-term care planning helps keep your legacy intact for your family, friends, or charity.