Our Services

Rick Young Financial Services serves individuals and businesses in all areas of financial planning, including:


 


TOTAL FINANCIAL MANAGEMENT AND CONSOLIDATION


  • Financial Data Aggregation - nightly updates of all your financial data consolidated
  • Interactive Financial Plan - see how current values and potential changes to your plan impact your long term financial goals
  • On Line Document Storage
  • Secure Web Portal for information and document sharing with your financial planner



 


In addition to total interactive financial management, we provide on an individual basis the following:


 


 



Retirement/Retirement Income Planning




 


  • Making the most of your employer-sponsored retirement plans and IRAs
  • Construct income strategies based on your personal situation
  • Determine how much income you need to retire comfortably
  • Organize assets before and during retirement



 


Portfolio Management



  • Determine your asset allocation needs
  • Help you understand your risk tolerance
  • Recommend appropriate investments to help you reach and exceed your goals



 


Tax Management



  • Make sure you don’t pay a penny more than the law requires
  • Examine options to reduce your current and future tax burden
  • If need, refer you to a qualified tax specialist



 


Estate Planning



  • Review your wills and trusts
  • Assist in preserving your estate for intended heirs
  • Help with beneficiary designations
  • Examine options to reduce exposure from estate taxes and probate costs
  • Coordinate estate plan with your tax and legal advisors



 


Risk Management



  • Review existing insurance policies
  • Find the best policy for your situation
  • Recommend policy changes if appropriate



 


Education Funding



  • Discuss potential strategies to help you pay your children’s education
  • Recommend tax-efficient investment and accumulation plans



 


Small Business Planning



  • Help owners setup and evaluate employee retirement plan needs
  • Conduct education and enrollment workshops for company employees



 


 


*Cambridge does not offer tax or legal advice. Consult a professional for your personal situation.