Financial Planning

At Merit Financial LLC, we understand that great strategies are made from proper research and we keep this notion in mind to bring you advice with a blueprint that leads to your financial goals. Our expertise lies in setting realistic time-based goals with our clients and helping them achieve those goals by creating valuable strategies that we work together to achieve. While plans are a good way to look to the future and determine how to manage your finances, they are always unforeseen circumstances along the way. Our specialty comes from creating allowances for each of those circumstances and ensuring that you have a rock solid plan tailored to your lifestyle and earning potential. We work with you every step of the way.

Retirement Plan review (401K, 403b, 457, etc.)

We review your current retirement plans and evaluate your options by deciding on how best to allocate your available resources. This way, we work with you to ensure that you have a rock-solid retirement plan with a potential for income growth.

Making the most of your retirement plans and benefits is essential. While most employers may not be able to provide you the full data you need to help you build your plan from the ground up, our advice helps you with a step-by-step strategy to ensuring you make the best of your benefits.

Comprehensive Insurance Planning

A critical component of financial planning, we offer you advice and a hands-on approach on how to protect your wealth and assets.

College Planning

Our financial education helps you to develop great funding strategies in order to stay on top of the skyrocketing education costs. We show you best to utilize your financial aid and reduce out-of-pocket costs.

This is a highly specialized aspect of financial planning and you will best be served by a planner who is experienced in executing these strategies.

Estate Planning

Preparing tasks in the occurrence of an unplanned circumstance is an absolute necessity. We work closely with your attorney to develop a plan for your assets and find out how best to set up financial strategies that satisfies your goals and objectives.

Money Management

Wondering if it’s best to take a loan for your new car or to pay with cash? Perhaps you need advice on the best way to utilize your incoming funds? We are here to help. All questions regarding your personal finance can be forwarded to us and we’ll work with you to ensure you get the financial protection and long-term safety you desire.

Risk Profile evaluation

Risk assessment is hardly ever a yes or no situation. At Merit Financial LLC, comprehensive risk-profiling is our strong suit. If you are considering making new investments or acquiring new assets, we will provide you with a full scale risk profile evaluation to help you make informed decisions and find out if those new investments are your best options.

Asset Allocation

Balancing risks by allocating different assets to different investment portfolio helps you maximize your levels of returns and mitigates unnecessary risk factors. We help you evaluate your portfolio and implement these changes to ensure that you get the best from all of your assets.

Portfolio Rebalancing

Our job is to rebalance your portfolio and re-align the weightings of your assets. Not entirely sure of when to rebalance your portfolio and how best to improve portfolio performance? Leave that to us.