Key Services

You spend years pursuing financial independence and then, through hard work and some smart decisions, you achieve it. But for all the answers a lucrative career or business provides, success breeds at least as many questions. Just like your home, your business, and your relationships, financial wealth demands knowledge and attention to detail. At Ferguson Financial Group, we offer you a vast depth of experience and insight to help you navigate your journey. Because the last thing financial independence should mean is going it alone.

Estate Planning

What you value may be more important than what you own. To follow through on your commitments -- to yourself, your family, and your ideals -- you need to think ahead. A personalized estate plan is important in helping to protect your family and your legacy.

A well-constructed strategy can help address your specific estate planning needs including:

  • Minimizing income and estate taxes
  • Transferring wealth from one generation to the next
  • Developing charitable gifting strategies
  • Aligning existing portfolios and retirement accounts with your estate plan

Business Planning

There are a number of issues that business owners face, including providing employee benefits, obtaining business insurance and transferring the business upon death, disability or retirement. For most small business owners, their business lives and personal lives are inseparable. The financial planning process helps business owners to manage both business concerns and personal concerns so that they can achieve all of their goals and dreams.

A personalized financial plan can help you, the small business owner, address concerns such as:

  • Protecting your business assets
  • Ensuring the continuation and succession of your business
  • Promoting, recruiting, retaining, and rewarding your key employees
  • Maximizing your compensation benefits
  • Providing for estate equalization
  • Promoting family harmony

Retirement Planning

The amount you will need in retirement depends upon a number of variables, including the age you plan to retire, your desired retirement lifestyle, how long you expect to live, and the rate of return that you expect to earn on your investments. Social Security and employer-sponsored pension plans will likely provide a smaller percentage of your retirement income than they provided for your parents' retirement income.

One or more of the following strategies could help you to maximize your retirement income:

  • Retiring at a later age
  • Saving more before retirement
  • Spending less during retirement
  • Investing to earn a potentially higher rate of return on investments while still feeling comfortable with the level of risk involved
  • An adviser can help you determine which strategies make the most sense given your retirement objectives

Education Planning

Education planning for your children can be a major financial consideration. Planning early allows you to take advantage of the time value of money and help minimize the savings requirement.

Consideration should be given to one or more of the following strategies when trying to maximize your college planning:

  • Prioritizing your education objective with your insurance needs, retirement needs, major purchases and current income needs
  • Developing an effective savings strategy that considers asset allocation and takes advantage of education plans
  • Considering the various education funding accounts -- Qualified State Tuition Plans (also known as 529 Plans#), Uniform Transfer to Minor Accounts (UTMA) / Uniform Gifts to Minor Accounts (UGMA), Coverdell Educational savings accounts and prepaid tuition plans

Ensuring college expenses are realistically calculated and include tuition, room and board and living expenses. There are many factors to consider such as the inflation rate for the rising cost of tuition, whether your child will attend post-graduate studies and whether your is likely to receive scholarships or financial aid.

Portfolio Management

You can now receive the same portfolio management services as many institutional investors-whether it is a separately managed account or a mutual fund wrap portfolio.

Some benefits of managed portfolios include:

  • Providing access to top-tier investment management professionals
  • Tailored portfolios to meet specific investment need
  • Ownership of individual securities
  • Ease of pre-designed mutual fund portfolios

Every investor is unique, and investment advisory services provide you with professional investment advice and a personalized investment strategy. Whether you're seeking a tailored, professionally managed portfolio, or the convenience and simplicity of a diversified mutual fund wrap program, your investment choice should focus on meeting your financial goals. During this process, you should consider current and future growth objectives, income needs, time horizon and risk tolerance. These considerations form the blueprint for developing a portfolio management strategy. The process involves, but is not limited to, the following important stages:

  • Set investment objectives
  • Develop an asset allocation strategy
  • Evaluate/Select investment vehicle
  • Portfolio review -- Ongoing portfolio monitoring

Risk Management Planning

A sound financial plan must address the insurance coverage you, your spouse and family members may require:

  • Life Insurance is used to pay for funeral expenses, repay outstanding debts, make charitable donations and provide financial security for surviving family members. It can also be used to cover estate taxes and probate fees to enable your estate to be liquidated in the most appropriate manner.
  • Disability income insurance§ is to help partially replace income of persons who are unable to work because of sickness or accident. In terms of its financial effect on the family, long-term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer-provided benefits, and individually purchased policies.
  • Long Term Care Insurance is a relatively new type of insurance product. Many people do not understand what Long Term Care insurance policies cover, how and when the policies benefit, and who should obtain coverage.

Investment Planning

Our disciplined investment process revolves around our client’s total economic wealth, which includes their human capital* and their financial capital. We combine Ibbotson Associates’ expertise in asset allocation, Morningstar’s extensive mutual fund database, and New York Life Insurance Company’s insurance product recommendation capability to create a blueprint for your short-term and long-term investment planning.

In addition, we offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also provide products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

We start the process with a simple, yet thought provoking question - “Is your current portfolio structured to provide you with the proper short and long-term economic benefit to meet your goals and objectives?” If you have any doubt, or feel that you could get more out of life, please do not hesitate to contact a representative from FFG for a personal consultation.

* Human capital equals the present value of your future labor income.

#Securities offered through NYLIFE Securities LLC. (member FINRA/SIPC).

*Neither Eagle Strategies LLC nor any of its affiliates provide legal, tax or accounting advice. Please contact your own advisors for more information on your particular situation.

§Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.

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