The principles of sound Wealth and Risk Management are fairly boring by nature. That is why it is so very difficult to adhere to them in an unwavering disciplined manner. The most important of these principles is to have a plan designed to provide the greatest probability of achieving long-term financial goals.

As a business owner, you may have found that offering competitive benefits is the key to attracting and retaining great employees. Your business needs a developed benefits strategy fitted to you and your employees. We offer business owners an entire suite of solutions, from insurance and retirement plans to workplace financial planning.

Today's average retiree is living longer than the previous generations, and planning for income in a longer retirement has become increasingly more important. You need a plan that takes measure of the possibility of outliving your money. Using Monte-Carlo simulation, we can statistically show a very realisitic projection of how long your retirement assets will last given a certain withdrawal rate. This projection comes with a confidence interval, telling us the likelyhood of your retirement assets lasting through the remainder of your life.

With long-term inflation averaging just around 2.5%, it comes as a surprise to most to see that national higher education costs are increasing at an average over 6% annualy. With this in mind, a savings plan to help fund the costs of your children and grandchildren's education is best accomplished by starting it early. Most families have more than one child, and calculating this need can be difficult without the help of a professional advisor. Using uneven cash flow equations, we can accurately determine your total family's college savings need and then recommend and manage those savings with an account most appropriate to you.

Estate and Legacy Planning means having the right documents in place to ensure that your assets pass to your desired beneficiaries and also to enable your family or representatives to handle your affairs should you become ill or incapacitated. It is also about minimising your exposure to death and estate taxes. Estate planning is a very complex area, and successful planning is best achieved working closely with your attorney in coordination with your advisor and accountant. With this approach, you will have a multi-disciplined plan that coordinates your legal constraints, use of assets, and life insurance.

Our
Wealth and Risk
Management
Process

Spencer Hawkins is a
CERTIFIED FINANCIAL PLANNER™
practitioner.
Why planning is important...

Spencer Hawkins is a Registered Principal of:
Southeast Investments, N.C., Inc.
Member FINRA / SIPC

Spencer Hawkins, CFP®, Owner/President of Hawkins Financial Services

Hawkins Financial Services
is a full service investment and insurance advisory firm located in Upper Arlington, Ohio

Asset Clearing and Custodian Services provided by:
National Financial Services,
A Fidelity Investments Company