Identifying issues that are vital to your financial success is only the first step to wealth management. At Moorman, Harting Financial Services, Ltd., we have the expertise and experience necessary to assist clients, such as yourself, with every step in the systematic approach to your wealth management process . . . from the first step, onward!
Secure Your Family Dreams.
When you envision your retirement, you likely think of a life filled with happiness, good health and prosperity. However, the financial comfort you expect in retirement depends on the action you take today!
With uncertainty in the U.S. economy and the workplace, it is imperative that you take control of your financial future now. The savings and planning necessary to meet retirement goals varies for each individual. This is why effective retirement planning requires the assistance of a professional financial advisor.
Our team at Moorman, Harting Financial Services, Ltd. offers the knowledge and expertise necessary to develop a solid, understandable retirement plan that will help you enjoy a secure future. Our approach begins with a discussion of your personal goals and needs. We then evaluate your existing financial plan and investment options to determine how they fit into your overall retirement picture. Our advisors determine what assets should be in tax advantaged accounts and from which resources your retirement income should be drawn. The end result of our process is a plan tailored to the retirement lifestyle that you want to lead.
Our personalized retirement plan services commonly include:
- 401(k) Rollovers
- Income Protection Analysis
- Fixed Income Strategies
- Qualified Plan Design and Compliance
- IRA’s – Traditional and Roth
Diversification and Customization.
If you’re like many people, you may have left your investments on autopilot. You recognize the value in investment planning, but may find it too intimidating to tackle on your own.
Chances are you have had changes in your life since you last reviewed your investment portfolio, and the investment strategy that once was adequate for the future you had in mind may no longer be appropriate.
By examining your investment needs and your current holdings, we can help make sure you are on the right track to meet your goals. We can analyze your holdings and help you chart a course of action.
When you work with a highly qualified Moorman, Harting Financial Advisor, we will develop a plan that includes:
- Integrated Asset Allocation and Portfolio Design
- Customized Asset Management Programs
- Diversification Strategies
- Alternative Investments
Life, Long Term Care, Disability, Annuities.
Insurance can be used as a multipurpose financial planning tool that provides financial support during your life span and safeguards your family financially if something happens to you or your spouse.
If you’re like most people, the last time you even saw your insurance policies was the day you bought them. You recognize the value of insurance as a tool for planning for the unexpected, but that doesn’t mean you want to think about your policies all the time.
By conducting an audit of your current insurance policies, we can help make sure you have the right coverage for your needs. We can analyze your current coverage to make sure your dreams are safeguarded, and, if necessary recommend a course of action to help your insurance program keep pace with today’s realities.
We will conduct a detailed evaluation and analysis of your long-term needs that will determine the right insurance provider, the right policy type, and the right dollar amount you will need to maintain your current standard of living.
Moorman Harting Financial Services, Ltd. can help you purchase, maintain and manage your insurance plan(s). Our comprehensive insurance services include:
- Life Insurance and Analysis
- Long-Term Care Insurance
- Disability Insurance
- Annuity Review
It is Not What You Make, it is What You Keep.
If you’re like most Americans, you don’t like taxes. At best, taxes are a necessary evil; at worst, they are a burden. Perhaps your attitude towards taxes is to give them as little thought as possible – just get the unpleasant obligation out of the way.
We can help make sure you take steps to reduce your taxes when possible. We’ll analyze your current options and recommend a course of action to help you take a bite out of your taxes. Due to our backgrounds as CPA’s, we identify unique tax strategies by reviewing and analyzing your complete financial picture – your assets, investments, future financial situation, and long-term goals.
Moorman, Harting Financial Services, Ltd. professionals specialize in both the financial-advisory and the tax sides of financial planning, making us uniquely aware of opportunities to create and maintain a tax-efficient portfolio. We have access to research and technology that allow us to apply the latest tax laws to your financial plan. Our team will work with you to maximize the after-tax return on your investments.
Our individual tax-planning services include:
- Income Tax Planning and Preparation
- Tax-Advantaged Investing
- Charitable Planning
Peace of Mind For Your Loved Ones.
For most people, experiencing a disability or requiring long-term care are frightening prospects. Nobody likes to think about assisted living, disability, or protracted illnesses such as Alzheimer’s. Planning for the possibility of these events is important, but you may be putting it off. Or, perhaps you have already done some planning. If that is the case, when is the last time you reviewed your plan? Are you sure it is still adequate to meet your potential future needs?
Even if you do eventually require long-term care, you want to remain in control of your life. You want to choose your own assisted living facility, rely on the doctor of your choice, and receive the best care possible. This control requires planning up front. Because your future lifestyle and that of your family depend on your long-term care plan, it is important not only to implement long-term care solutions, but to review these solutions periodically.
The ability to earn an income is one of your greatest assets. What would happen if you lost this ability? Tragedies can destroy your financial future if proactive measures have not been taken to protect your family if you become disabled. Moorman, Harting Financial Services, Ltd. specializes in advising you on the proactive steps that you can take to protect your income and preserve your assets. We will recommend the proper mix of investments and disability coverage to help keep income flowing to you. Such measures could include income protection insurance which covers up to 75% of your gross income and is paid directly to you.
At Moorman, Harting Financial Services, Ltd., we will develop a well-designed plan structured to minimize the financial impact of life’s unforeseen tragedies. Our comprehensive plan includes:
- Long-Term Care Insurance
- Disability Insurance
Helping Your Children and Grandchildren.
College tuition costs continue to increase, while the savings and investment programs you have in place to fund your children’s education may be in a constant state of flux. Changes to your current lifestyle can also affect the amount of money you are contributing to education savings.
As your financial goals and needs change, your strategies must change to meet those goals and needs. Education planning impacts other aspects of your wealth management, such as tax planning, investment planning, and estate planning. Because your children’s education – as well as your current and
future lifestyles – depend on the wealth you build up now,
it is important to regularly review your specific goals, and actively plan for education costs.
By conducting a review of your current financial plan, we can help you make sure you have an education plan suited
to your family’s needs. We can help make sure that the dreams you have for your children’s education come true, and, if necessary, recommend a course of action to help your strategy keep pace with today’s realities.
At Moorman, Harting Financial Services, Ltd., we recommend the right investment strategy based on your unique financial situation. There are several unique ways to save and pay for education expenses:
- 529 Plans
- Uniform Gift to Minors Act / Uniform Transfer to Minors Act Accounts
- Trust Services
Succession Planning Should Not be Ignored.
If you’re like most business owners, you think about your business about 90 percent of your waking hours. Running a business is hard work, but the rewards are often immeasurable.
Business owners need to remember that changes in their life situation will impact their businesses. For example, you may be saving diligently for your retirement, but have you thought about what will happen to your business when you retire? Will your children take over the family business, or will you sell it to a business partner or an outside party? Perhaps you have implemented an income preservation plan so that your family’s needs are taken care of should you become disabled or die prematurely, but are you thinking about your business as well?
At Moorman, Harting Financial Services, Ltd., we can help make sure you have the right strategies in place to protect your business. We can analyze your current situation and, if necessary, recommend a course of action to help put in place the right strategies for your business.
Our business planning methodology includes:
- Business Succession
- Buy-Sell Agreements
- Non-Qualified Retirement Plans
- Key Employee Retention
Stay With a Well Designed Plan.
As you progress through your career, you should adjust your finances in order to accommodate your evolving financial goals. Adjusting your finances includes taking control of your debt and protecting your credit rating, a vitally important component of
your financial equation. Failure to proactively manage debt and credit can doom the otherwise well designed financial plan to failure.
Moorman, Harting Financial Services, Ltd. offers solutions that can help manage your debt and protect your credit. We create a personalized debt management strategy for you by realistically evaluating your debt-to-income ratio and lifestyle requirements. We help you understand how intelligent uses of debt can enhance the success rate of your financial plan. This is necessary to succeed at debt management and progress toward meeting your financial goals.
Take Care of Your Loved Ones.
If you’re like most people, estate planning is not a topic you spend a lot of time thinking about. That’s understandable; after all, who really wants to think about death? You probably have a will in place, but when is the last time you reviewed it? How can you be sure it’s up-to-date?
Chances are you have experienced changes in your life since you drafted your will. You might have gotten married or divorced, welcomed a child or grandchild, acquired or sold a business, or developed new future financial obligations, the estate plan that was adequate before may no longer be appropriate today.
By conducting a review of your current estate plan, we can help make sure you have the right plan in place for you and your family’s needs. We can make sure that your final wishes are safeguarded, and, if necessary, recommend a course of action to help your estate planning strategy keep pace with today’s realities.
We focus on your estate planning goals and provide solutions to help reach those goals while attempting to minimize federal estate taxes. Our solutions address:
- Wealth Transfer and Tax Reduction
- Trust Services
- Use of Insurance to Protect an Estate
Life-Changing Events That will Impact Your Financial Well-Being.
When you have a significant change in your life such as a marriage, a large inheritance, or a lottery win or a challenge such as a serious illness, incapacitation, or divorce, you and your family will encounter financial and emotional stress. The key to coping with these sudden changes is careful preparation.
At Moorman, Harting Financial Services, Ltd., we make sure you are prepared before you are faced with difficult choices or unexpected disruptions. We develop a safety net that supports your wealth management plan by covering any life situation that needs special attention. In order to prepare for any special situations, we examine the following and then devise a solid plan;
- How your wealth management plan would be affected by divorce
- How to protect your assets from creditors
- The impact of a personal injury lawsuit on your assets
- Ways that your financial resources can adequately provide for:
– Dependent Care
– Death or disability of a spouse or loved one
– Merging your money when you marry