Get Started Investing
Financial planning offers a holistic look at your financial picture and investment portfolio. It gives you a road map for handling your money in a way that cuts stress and builds confidence.
It can also play a crucial role in meeting goals, such as buying a house or creating a nest egg that will last long after you’ve collected your final paycheck.
At Forward Investment Services we offer all clients comprehensive financial planning at no cost or obligation. We believe that everyone should have access to a holistic approach to investing.
What should I expect?
Establish Core Values
First, we will establish how we will work together. We'll discuss and define our responsibilities and review expectations.
Explore Possibilities + Set Goals
Next, we will discuss your current financial situation and determine how to pursue your goals. We'll look at assets, liabilities, cash flow, insurance coverage, investments, and possible tax strategies.
What happens next?
At the end of the meeting, we'll have a strong understanding of where you are financially, where you want to be, and how you will get there.
Brainstorm Strategies + Analyze Tactics
In a follow-up meeting, we will review our financial recommendations. We'll explain the rationale so you can make informed decisions, while addressing questions and concerns and make revisions if necessary.
Illustrate Recommendations + Prioritize Implementation
Next, we will decide how the recommendations will be carried out. We're available to serve as your guide to financial wellness and coordinate our efforts with other professionals, such as attorneys and accountants.
Monitor + Review Process
We will keep track of progress and evaluate any changes to the plan as needed. Goals may evolve over the years due to changes in life such as a career change, growing family, a new home, or inheritance.
How can I prepare for our first meeting?
Begin to identify your goals by asking yourself questions similar to these:
- When would I like to retire?
- What does my dream retirement look like?
- Do I plan to work in retirement?
- How will I pay for my kids’ college education?
- Who will be my beneficiaries?
Bring financial statements with you:
- 401(k)/other investments statements
- Mortgage/other debt statements
- Pay stubs for you and/or spouse
- Your most recent tax return
- Your monthly budget
All of our strategies begin with financial planning. From there, we may recommend:
- Advisory Services (Fee-Based)
- Fixed Income
- Life Insurance
- Long-Term Care
- Mutual Funds
- Stocks and Bonds
Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are:
*Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com
Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
Advisory services may only be offered by Investment Adviser Representatives. For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera Investment Services nor any of its representatives may give legal or tax advice.