Our Services

Our services

Financial Planning

We offer single issue, multi-purpose or comprehensive financial planning options. Your CERTIFIED FINANCIAL PLANNER™ professional works with you to determine which path to take, based on your objectives and provide the opportunity of achieving your financial goals. All areas of financial planning are taken into consideration when making a recommendation, a holistic approach is considered when dealing with your future.

Investment Planning + Management

How do you choose an investment? How much money should I start investing? Your advisor provides advice and education to choose the best investment options, based on your comfort level to meet your investment needs, goals, risk tolerance and time horizon.

Retirement Planning

Public consciousness today is “Oh, I’ll get to that later”. Later is today. Saving for your retirement is key to achieving your financial independence. Your advisor works with you or your organization to determine what the right retirement strategy and plan is for you. Retirement plans include: 401(k), 403(b), 457, Traditional IRA, Roth IRA, Rollover IRA, Simple IRA, SEP IRA, Individual 401(k) to name a few.

Education Planning

How do I choose which investment plan for my children’s education? So many choices: 529, State approved 529 plans, investments made under a parents, child or grandparents name, Coverdale IRA, prepaid tuition, to name a few. How will financial aid or scholarships fit into the picture, or should I use UGMA, UTMA? Time and planning is key to successfully funding your children’s education. A CERTIFIED FINANCIAL PLANNER™ professional works with you to determine an overall strategy that is right for you and your family.

Business Planning

Whether you are a start-up, small business, or corporation you need a realistic and comprehensive business plan every year. We get you started with a business plan or review your existing one. Your CERTIFIED FINANCIAL PLANNER™ professional will assist you in your business strategy by developing and implementing your business employee benefits plan. Employee benefits plans include: 401(k), 403 (b), 457(b), executive compensation plans, life insurance, health and or disability insurance. Your additional business planning needs include: business insurance and a business succession plan.

Protection/Insurance Planning

Have you ever thought of planning for “what if”? What if you lose your job, get injured on the job, or lose someone in your life? How do you protect your business, or distribute your wealth to intended beneficiaries? There are many different types of insurance; Health, Property and Casualty, Life, Buy Sell, Disability, Long Term Care to name a few. Our Insurance Specialist will assist you in determining what type of insurance and the benefits of insurance are right for you, your family or business.

Tax Planning

Advice may include ways to minimize current and future income taxes as part of your overall financial situation. A recommendation will be offered as it pertains to the type of account or specific investment should be owned based in part on your “tax efficiency” with consideration that there is a possibility of future changes to federal, state or local tax laws and rates that may impact your investment planning situation. We will work to be tax efficient and coordinate with your tax advisor/CPA, or attorney. Note: Crystal Brook Advisors is not a tax advisor/CPA or attorney nor do we provide legal advice.

Estate and Trust Planning

Estate and Trust planning encompasses the accumulation, conservation and distribution of your assets. The overall purpose of the estate and trust planning process is to have an orderly disposition of asset to individuals or organizations/corporations/charities of your choosing. Estate and Trust Planning can provide financial security during your retirement years and ensure your intended beneficiaries receive what you planned for them. Your CERTIFIED FINANCIAL PLANNER™ professional will develop a plan that best suits your immediate as well as anticipated needs and desires with the objective of preparing you to consult with your attorney who will prepare the legal Estate and Trust documents.

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