Are You Prepared For Retirement?
RockCrest helps you achieve your goals, guided by your values.
As your Personal Financial CEO, we help you create a comprehensive, lifetime financial plan.
FINANCIAL PLANNING
TAX STRATEGY
ESTATE PLANNING
INVESTMENT MANAGEMENT
STRATEGIES TO REDUCE RISK TO YOUR OVERALL PLAN
We will help coordinate, consolidate and simplify your life… and provide the accountability to get things done.
Our goal is to help put your entire financial house in perfect order, and keep it that way, forever.
Our comprehensive financial planning services are provided for one, all-inclusive flat-fee.
It includes all planning, coordination, organization, accountability, investment management and advice.
Our mission is to help you create and execute a truly comprehensive, lifetime, overarching financial plan to reach all of your goals.
Our comprehensive financial planning services are provided for one, all-inclusive flat-fee.
It includes all planning, coordination, organization, accountability, investment management and advice.
Our mission is to help you create and execute a truly comprehensive, lifetime, overarching financial plan to reach all of your goals.
COMPREHENSIVE FINANCIAL PLANNING
As your Personal Finance CEO, we provide comprehensive financial planning to you in all five areas of personal finance: financial planning, tax strategy, estate planning, investment management and strategies to reduce risks in your plan.
We work with subject matter experts, like accountants, attorneys, agents and other advisors… yours and ours, to coordinate, consolidate and simplify your life.
TRULY FLAT-FEE ADVISORY SERVICES
We provide Comprehensive Financial Planning and Investment Management under one, all-inclusive flat fee.
(*Investment Management Only services available on a limited basis, under the traditional AUM fee model.)
YOUR PERSONAL FINANCIAL CEO
We’re not just your financial advisor and investment manager.
We are not insurance agents or stockbrokers.
We are truly your comprehensive financial planner… the CEO of your Personal Finances! We provide you with the comprehensive planning, coordination, strategies and tactics to help “you live your best life.”
Schedule a 20 minute consultation to see if we might be a good fit...
CONCERN 1: Not having a financial plan to help guide your retirement goals and ensure you're on track.
Our Solution: We create a comprehensive financial plan COVERING ALL 5 AREAS OF PERSONAL FINANCE, to help achieve all of your goals, while reflecting your most closely held values. We act as your Personal Finance CEO and coordinate with your other advisors (accountant, attorney, insurance agents, bankers, mortgage professionals, etc) and help you succeed through accountability. We review your plan regularly with you throughout the year and if it ever gets off track, recommend what you should do to get it on track. We are proactive and act as your fiduciary.
CONCERN 2: Paying unnecessary taxes on income and/or losing assets through improper estate planning.
Our Solutions: This is actually two concerns.
First, we create a custom tax strategy, taking into account pensions, Social Security, taxable accounts, tax-deferred and tax-free accounts and help you develop a withdraw strategy to help optimize your income and reduce your tax burden. Especially for clients with a high net worth in tax-deferred accounts like IRAs and 401(k)s, early planning can help reduce the tax impact of RMDs later in life.
Second, we help you craft an estate planning strategy that reflects what you’re looking to accomplish both while alive (durable/financial power of attorney, medical power of attorney, quality of life directive) and beyond (will and/or trust). We do this in unison with your attorney. We also help with several other critically important issues, like reviewing assets to make sure they are correctly titled.
CONCERN #3: Not protecting principal, which took a lifetime to build, from excessive stock and bond market volatility.
Our Solution: Most people realize that investing for the income withdrawal stage of retirement, is different than the pre-retirement accumulation stage. We have an expertise in investment management that allow us to create a well-allocated, diversified portfolio that is is designed to help grow your assets in good times and protect principal and gains in bad times. You don’t want to outlive your money, so our income plans take a unique approach to help keep the income you need over the short term stable, allowing us to focus on the long term growth of your income stream and assets. We also use third-party investment managers when appropriate, to provide different strategies in your overall portfolio.
CONCERN #4: Planning For Serious Health Concerns & Rising Health Care Expenses. Protecting the what I have built up during my lifetime.
Our Solution: We help you make better choices about healthcare issues and costs as your health, and financial needs, change throughout retirement. From helping evaluate Medicare options, to showing you innovative ways to cover rapidly rising long term care expenses, we are here to help minimize the impact that future healthcare costs will have on your income plan and retirement lifestyle.
We also review ALL of your other insurances, like life, property and casualty (auto and homeowners) and work with your insurance professionals to help ensure you have the right coverage at the right premiums. Please note. We are not insurance agents and make no commissions or referral fees. We are your fiduciary advisor, and as such, help review your coverages to ensure they are appropriate to reach your goals and provide proper risk management within your financial plan.
Interested in Discussing our Services? Contact Us!
Email: questions. answered@RockCrestFinancial.com
Atlantic County Office: 551 New Road, Suite B, Somers Point, NJ 08244
Gloucester County Office: 5 South Main St, Suite A, Williamstown, NJ 08094
Phone: 856-777-8997
We’ve been quoted in…
