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Our Services

We have over 40 years of experience guiding our clients in the good times and bad. Market events can be stressful, and this can cause investors to make bad decisions. As fiduciaries, we are here to help you understand how events worldwide could impact your portfolio. This way, you can achieve your long-term goals despite life’s challenges.

Retirement Planning: 

  • Our role is to help you create a retirement plan by understanding your unique circumstances and helping you determine your retirement goals. 
  • We determine the most suitable investments for you. 
  • We implement the retirement plan based on your needs. 
  • We frequently meet with our clients to monitor their progress.
  • When necessary, we adapt our strategy to changing life goals and circumstances.
  • Use our retirement planner tool to help you determine your savings.

Investment Planning: 

  • Our role is to understand your investment goals, risk tolerance, and financial situation. 
  • We provide education on the importance of professional investment management.
  • We recommend professional investment management programs based on each client's needs. 
  • We meet with our clients to monitor their progress towards their investment goals.
  • When necessary, we will adapt our strategy to your changing life goals and circumstances.

College Planning: 

  • We now live in a world where the cost of education continues to rise every year, which is why a college savings plan is so important. It is essential to start thinking about saving and investing now to achieve your educational goals. At Peters Financial, we have the tools, discipline, and foresight to guide you along the way. 

Estate Planning: 

  • There are three stages in your financial life that are important to estate planning: The Accumulation stage, the Retention stage, and the Distribution stage. 
  • In the Accumulation stage, clients are accumulating assets. These assets include 401(k)’s, IRA’s, investment accounts, real property, and home equity. In the Retention stage, clients are nearing retirement and have a nest egg that they need to protect. Clients are ready to retire in the Distribution stage and begin drawing an income from their retirement assets. 
  • The typical financial tools used in the Accumulation stage are:
    • Life insurance for wealth creation (in the event of the premature death of a breadwinner)
    • Disability insurance for income protection for the breadwinner.
    • Retirement and investment plans to accumulate assets. 
  • During the Retention stage, asset protection plans are essential. There are several risk categories that we monitor. These include investment risk, tax risk, inflation risk, health risk, and litigation risk. 
  • In the Distribution stage, we will collaborate with your attorney to ensure you have the proper wills, trusts, and gifting programs. 
  • Our role is to help safeguard the assets you have worked so hard to achieve in an estate plan, and when appropriate, we help you pass those assets to the next generation or to causes they support.
  • Learn more about estate management through our "Principles of Preserving Wealth" presentation.

Insurance & Risk Management: 

  • A natural part of life is the risk of unexpected catastrophes that we all face. These risks can threaten your financial security and well-being.
  • It is important to plan for any unexpected events to ensure that you and your loved ones can achieve the lifestyle you desire. At Peters Financial, we live by the old saying, “Prepare for the Worst, Work for the Best.” 
  • Below are the Risk Management tools we use to protect your financial well-being: 
    • Life Insurance 
    • Long Term Care Insurance  
    • Disability Insurance 

Financial Planning: 

  • Financial Planning can involve all the types of planning listed above. As expert fiduciary advisors, we will determine which plan is best for you based on your specific needs. A segmented plan involves only one of the areas listed above. While a comprehensive savings plan involves all areas.
  • Financial planning looks at every aspect of your financial life. This is how we determine how to best achieve your Retirement, Investment, Estate, and Risk Management goals. 

Business Retirement and Insurance Plans: 

  • At Peters Financial, we work with you to choose the best retirement plan for your business and staff. We will educate you on the diverse types of retirement plans available, their advantages and disadvantages. Once we understand your financial situation and retirement goals, we will make recommendations. We will establish your retirement plan and provide ongoing investment management and administration. This way, you can focus on what matters most--running your business and serving your customers. 
    • 401(k) Plans (Traditional & Safe Harbor)
    • SEP IRA Plans
    • Simple IRAS Plans
    • Profit-Sharing Plans
    • Combined 401(k) and Profit-Sharing Plans
    • Employee Stock Ownership Plans
    • Solo Defined Benefit Plans 

Life Event Financial Counseling: 

  • Death: The death of a spouse or loved one is devastating and can be disorienting for those mourning. For the last forty years, we have counseled our clients through the financial uncertainty that comes with the death of a loved one. We build our portfolios and financial plans to transfer seamlessly to the surviving beneficiaries. This ensures that you will not have to worry about financial concerns during an already challenging time. We are happy to work with your tax/estate attorney to create a plan that ensures your assets transfer smoothly. This will also ensure your dependents will continue to receive the financial support they need.
  • Marriage & Divorce: If you or a loved one are planning to get married, we are happy to help you determine how to fund the expenses of a wedding. We will also collaborate with you and your attorney to ensure that your financial assets are safe if things do not work out.