Personal Financial Planning

You certainly understand the mechanics and the importance of your personal finances, but life is hectic. Finding the time and resources to enhance your financial planning knowledge isn’t easy. Figuring out how you’re going to fund retirement, pay for college educations or divide your estate can seem daunting. And, like most people, you probably want a future that is bigger than your past. So, you’ll need to plan. But you don’t have to do it alone.

Keating & Associates takes a holistic approach to financial planning. We understand making decisions in one area of your financial life impacts other areas. We do more than just allocate assets. We’ll discuss your liabilities, taxes, savings, wills and trusts. Beyond that, we’ll listen – really listen – to your goals, and customize a plan that will help you achieve them.

Investing is important, but it’s only a piece of what we do. Ultimately, we hold ourselves accountable for your goals. Not only will we give you a roadmap, we’ll help you stay on track, whether it’s by checking in regularly or taking on some tasks for you.

Retirement Planning

We help alleviate the anxiety that comes with retirement – fear of not having saved enough or fear of managing what has already been saved, whether it’s a little or a lot. We’ll discuss cash flow, as well as guide you to the appropriate vehicles – whether they are IRAs, 401(k)s or other investment accounts – designed to effectively manage your retirement savings.

College Planning

With the cost of higher education expenses significantly increasing annually for the last several years, you might be wondering how you’ll ever afford funding the college education of your children, your grandchildren or other important children in your life. We can help you determine if you’re saving enough, as well as help you set aside funds creatively so you’re better prepared for the cost.

Estate Planning

The logistics of estate planning can be difficult to navigate. You have to answer hard questions about where you want your money to go and how you want it distributed. So, we’ll sit down with you and your family to discuss not only the specifics but the emotional aspects of transferring wealth. In addition, with the appropriate planning, we will help you develop a strategy designed minimize the taxes on your estate.

Charitable Planning

Your money can make more of an impact than just paying the bills. By managing your money, you can give back to the causes that have been important to you throughout your life. Our expertise with tax-advantaged charitable trusts and other investment vehicles will not only allow you to give back, but will help you maximize your tax planning as well. For more information click here.

Medicare Planning

Navigating the Medicare system can be a daunting and overwhelming process. Understanding the terminology, how the plans work and how they differ is no easy feat. Still, grasping the system is a critical part of managing your personal medical risks and overall financial planning as you age. Knowledge is power, and you have the opportunity to manage your Medicare options, just like you manage your life insurance, retirement and other investment vehicles.

Keating & Associates will walk you through the entire process so you can make informed decisions about your options. While most private insurance companies and sales representatives approach potential Medicare beneficiaries with a product-driven marketing strategy, we’ll customize a plan designed to meet your individual needs. We’ll advise you on the different supplement and prescription plans available and the products that will likely work best for you and your finances. We believe that our years of experience and client-centered practices make us ideal candidates to help you navigate this complicated system. For more information, click here.