Many clients simply don't have a financial plan. They realize there is a lack of clarity in their vision for the future. We don’t just create a financial planning document, we help clients discover and define what it is they’re working toward, and design a way for them to obtain it. The services we provide are personalized for each client. Our mission is to ensure that all your financial “moving parts” are working together toward the achievement of your personal and professional financial goals. Century Financial Brokers offers financial planning, investment management and personal CFO services to individuals, families, businesses, foundations and associations. Our retirement plan consulting services focus on helping retirement plan sponsors and trustees meet their fiduciary obligations. Century Financial Brokers employs an integrated approach designed to provide our clients with comprehensive wealth management solutions. However, clients may use one type of service or the full breadth of our services. Our Certified Financial Planners become your personal resource and understand that no one individual or family is the same. This is why we take the time to get to know you, determine how we can help, and identify with your concerns as well as your goals. It is through this discovery that we offer comprehensive solutions that alleviate these concerns and move you towards your goals.

 

Personal financial planning is a comprehensive solution that requires a complete approach because of the wide range of considerations involved in completing your financial plan. However, it is our job to simplify this process by asking the right questions in order to identify and propose the best recommendations and results. Our planning process reviews the following areas to help you plan for the future. How well you invest will dictate the resources you have available to meet your objectives and goals. This is why it is imperative that our advisors know your goals as we craft your plan because these will influence how we invest your portfolio. It is through our investment analysis process that we will determine if your existing portfolio is inefficient or suitable for you. In analyzing your investments, we review all of your accounts to summarize your allocation between equities (stocks), fixed-income (bonds) and cash. These include your personal and work retirement accounts, taxable investment accounts and cash reserves in savings and CDs. Next, we review your specific investments to verify the quality of the investments as well as how much risk is associated with the underlying investments. Ultimately, our investment decisions and recommendations will help build you a portfolio that:

 

Generates enough income you can live off of in retirement

Offers growth potential so that it appreciates

Reduces security risks through diversification

Allows you to sleep at night

 

Our investment planning process makes it possible to choose the most suitable investments for you. Unlike many of our competitors, we do not offer a cookie-cutter investment proposal with our financial plans, but rather a customized portfolio that is designed to meet your specific goals and objectives.