Our Services

 

WEALTH MANAGEMENT FOR INDIVIDUALS
 
A successful wealth management strategy is one that provides for you and your family today and and preserves enough for future generations.  To achieve this success, a financial strategy must be comprehensive.  That's why we work with your attorney, trustee, accountant and other professionals, as necessary, to create a customized strategy that considers all of your wealth management needs.
 
Depending on your stage of life and types of concerns, we can help you find the appropriate strategies to address issues like funding for an education or retirement, tax-advantaged planning, protecting your assets and your family, and organizing your estate strategy.
 
Wealth Accumulation
 
Portfolio Building - With the right asset allocation, we can help maximize the growth of your investments, while we help minimize the risks.  We'll take into account your risk tolerance, liquidity needs, as well as your short and long-term goals.
 
College Funding - We can help you choose the right savings and investment vehicles, and the best plans available for financing education.
 
Retirement Planning - If you are planning for a secure retirement, we can help you evaluate all existing retirement plans; pensions, 401(k)s, IRAs and annuities.  We can also assess the tax consequences* of your IRA Rollover and assist in implementing your decision.
  
Wealth Protection
 
Survivorship Protection - We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.
 
Asset Protection - We can recommend ways to help maximize and protect your hard earned retirement savings and your independent lifestyle should you or your spouse need long-term care.
 
Disability Income - Often overlooked is the need to protect one's current income stream and future earnings in the event of a disability.  We can help you protect your future future earnings from such an event.
 
Long-Term Care Insurance - We can help prevent the costs involved with a long-term illness from adversely affecting your financial future - and that of your loved ones.
 
Wealth Distribution
 
Estate Planning Strategies - with the right strategy, you can control your assets according to your wishes, as well as help minimize taxes, reduce administrative costs and help ensure the effective management of your affairs should you become incapacitated.  You may also be interested in developing charitable or family gifting strategies to pass along your wealth.  Based on your individual situation, we can recommend techniques for approaching these challenges.
 
 
FINANCIAL STRATEGIES FOR YOU AND YOUR BUSINESS
 
Working closely with your legal and tax advisers, we can help you reach your business and estate planning goals with strategies that will help maximize your personal benefits, provide the tools to recruit and retain employees, protect against the loss of key employees and create ownership succession strategies.  These strategies can help build your business and transfer wealth to future generations.
 
Once your customized plan is in place, we continue to support you by conducting annual reviews to help ensure that the plan is on track.
 
Retirement Planning - Qualified plans can help owners and long-term employees build financial independence.  Some examples are 401(k), pension, profit sharing, SIMPLE and Defined Benefit plans.
 
Executive Compensation Strategies - We design supplemental pension, deferred compensation, executive bonus and other retirement and incentive compensation programs.  These programs motivate key people with financial incentives that enhance job security.
 
Employee Benefits** - We can help you create the employee benefit package that's right for your business, including disability, long-term care insurance, group medical, group dental, employee voluntary and cafeteria plans.
 
Educational Services - We can conduct seminars for your employees on their retirement packages.  And as a value-added service, we offer educational seminars on a variety of financial topics.
 
Key Person Insurance - The death of a key employee can create serious problems for a business.  We can help you protect against this loss.
 
Business Succession Planning - Our succession strategies can be catered to your wealth transfer objectives.  We can provide life insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, becomes disabled or sells.
 
For family business owners, we identify alternative strategies to equalize estate assets among all children - whether they're active or inactive in the family business.
 
 
IN THE COMPANY OF EXCELLENCE
 
What makes us different?  Maybe it's our personalized approach to helping you build, maintain and protect your assets.  Our full range of outstanding products and services.  Or our relationships with some of the most respected financial service companies in the marketplace.  The truth is, it's all of these - backed by our commitment to always maintain our relationship with you.
 
For more on how we can help you achieve your financial goals, please contact us today.
 
 
Holdsworth Financial Group
40 Eagle Valley Court
Broadview Heights, OH 44147
Tel: (440) 746-8100
Fax: (440) 746-8111
 

*AXA Advisors does not provide tax or legal advice. Please consult your tax and/or legal advisors regarding your particular circumstances

**Some of these products and services are not available from AXA Advisors or AXA Network.  They are provided by third party carriers.