What We Do FLS Financial Group is committed to providing holistic financial planning to all of our clients. In order to accomplish this, every team member is committed to partnering with you to help you work toward achieving your financial goals. Our highly talented team will work with you on a day-to-day basis to provide service, answer questions and ensure your needs are met. Our goal is simple, to help all our clients achieve their financial goals. Outlined below is a brief summary of the services our firm may provide to you. We will work with you to determine which services are appropriate for your unique needs. Goals Review Regular communication is the key to ensuring that our clients meet their financial goals. As such, our firm will reach out to you on an annual basis to review your current situation and any life changes that may have occurred. These reviews can be in the form of an in-person meeting or phone call and will focus on life events that may have altered your needs. If, in the meantime a major life event has occurred, we urge you to reach out to our firm as we are committed to helping all of our clients remain on track to reach their financial goals. Major life events could include: Marriage Purchase/Sale of a home Birth of a child/grandchild Change of Occupation and/or job Children beginning college Retirement Death of a family member Death of an acquaintance Natural disasters National Emergencies Financial Planning As part of your annual financial plan review, our team will review and update your financial plan on an as needed basis. If you have had a recent life change that requires a review and/or update to your financial plan, please let us know so we can update your plan accordingly. As a part of plan development, we review your goals & objectives to ensure you are on track and that we are providing proactive service to help you reach those goals by incorporating the following services: Tax Efficient Strategies* Charitable Giving Review Cash Flow Review Education Funding Income/Distribution Strategies Savings & Emergency Funds Philanthropic Goals Accumulation Goals Retirement Planning Investment Management Our experience tells us that a disciplined and diversified approach to investment management offers the greatest potential for investment success. We believe that a family’s approach to investing should not only include diversification among asset classes, but various strategies as well. With that in mind, we will track and manage your investment strategy by offering the following services: Ongoing portfolio and asset allocation review Risk Tolerance Analysis Tax & Cost Basis Analysis Diversification Strategies Income/Distribution Strategies Tax Planning Strategy* The goal of tax planning strategy is to evaluate and arrange your financial affairs to help minimize your taxes based on your current situation. We can assist with this in various ways including: Tax Gain/Loss Analysis Provide year-end tax planning information to your personal CPA Coordination with your CPA to review tax planning strategies 1040 Tax review to help understand potential tax implications Insurance Planning As major life changes occur we will evaluate your insurance coverage to identify any unnecessary risk exposure. As part of our ongoing review, we will continue to evaluate the following: Life Insurance Disability Income Insurance Health Insurance (Including Medicare supplements) Long Term Care Property & Casualty Insurance Asset Protection Estate Planning* The goal of Estate Planning is to anticipate and prepare for the distribution of your estate during your life as well as for your heirs. We offer the following services to assist with this: Estate Plan Review and Legacy Planning Beneficiary Designation Alignment Coordination with your attorney to update your estate documents as needed Coordination with Other Professionals The financial services industry offers an array of services and covers multiple professions. As such, we actively collaborate with our client’s professionals to help clients with their immediate and long-term financial needs. We firmly believe that this coordinated approach best serves the needs of our clients and allows us to provide you with recommendations for professionals if a need arises. We work with the following professionals: Accountant/CPA Estate Planning Attorney Insurance Agents Real Estate Agents Tax Attorney Asset Protection Attorneys *Neither Voya Financial Advisors nor its representatives offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation.