Why Create a Financial Plan?
Your financial life can become complex. A financial plan, with the help of a fiduciary, can process these complexities into a road map. This road map can help you to move forward.
Honestly, most of us spend more time planning our vacations than we do planning our financial future. Even more, you know that it is easy to put it off until tomorrow. Therefore, the best time for you to start is today.
Putting Clients First
What We Offer for You
We Provide Prudent Advice for Better Decision-Making
Multiple studies show that competent financial advisors add significant value over time.** Importantly, this value is not necessarily measured by the month-to-month performance against a stock market index. Instead, an advisor’s effectiveness should be measured long-term. Further, they should be measured against a proper benchmark. The value is added through acting effectively as a financial planner, wealth manager, and behavioral coach. This discipline is more valuable than many realize.
Holistic Wealth Management
At Shoreline Financial Advisors, we know that your circumstances are unique. That is why, as part of our services, we always meet one-on-one. To begin with, we want to hear your unique story, as well as, your needs, questions and concerns.
Planning for your future financial goals entails a detailed financial plan. Moreover, it requires a sound investment strategy and ongoing review.
When you engage with us, our fee includes financial and retirement planning as well as investment management. Additionally, it includes estate planning recommendations, tax planning and insurance needs analysis.
Charitable Giving Made Simple and Efficient
Looking to increase your philanthropic impact? A Schwab Charitable donor-advised fund account is a simple, tax-smart investment solution for charitable giving.
Firstly, claim an immediate tax deduction while spreading your gifts over multiple years. Secondly, you can contribute highly appreciated assets without triggering capital gains taxes.
Let us help you give wisely and tax-effectively.
Consolidating Old Retirement Plans
Is more of something always better? Having multiple retirement plans from past employers can make things hard to keep track of. One way to take control of your retirement savings is to roll over your plan from a former employer into an IRA.
But there are several factors to consider based on your personal circumstances.
Four years ago, my world blew up and I found myself getting divorced from my 20-year marriage at age 49. My X- husband was in the financial world so we always used his financial teams for our portfolio. I am a Social Worker with very limited knowledge of investments and financial planning. SFA guided me through my complicated divorce, helping me make smart financial decisions and setting me up to have a secure financial future. They took the time to explain, support and reassure me through a very unstable time in my life. I am fully confident in their decisions, and they truly take a personal approach with their clients. I cannot thank Shoreline enough for providing support, security, and confidence in my financial future.
We joined SFA in the spring of 2009. The primary requirement was that they be fiduciaries, with our needs as their primary objective. After interviewing a few local advisors, we chose Shoreline Financial Advisors. Their offices were impressive, and the staff were friendly and professional. The presentation of their management strategies was clear and to the point, unlike many of the firms that we considered.
After several meetings incorporating financial planning, we agreed to have our portfolio managed in a moderately conservative allocation. They have met with us at regular intervals to review our investments and to update our financial plan and are always responsive to questions between meetings. We have confidence that SFA will continue to guide us in the future.
Over the past 25 years Shoreline Financial Advisors have guided me through the ebb and flow of my financial journey. Especially these past 10 years, after becoming divorced and moving forward as a single woman, I have sincerely appreciated the continued service and guidance.
What I appreciate most with Shoreline Financial Advisors is how they listen to my personal needs and concerns, my level of investment comfort/risk, and my future plans. They have helped me move slowly and steadily forward, helping me prepare for the later years.
The overall service is exemplary, highly recommended. Always considerate and available if you have questions or concerns.
**Vanguard, Putting a Value on Your Value: Quantifying Vanguard Advisor’s Alpha®
**Envestnet, Capital Sigma: The Return on Advice
**Russell Investments, 2016 Value of a Financial Advisor Update: More than 3.75%
**Morningstar Investment Management, Alpha, Beta, and Now… Gamma.