Comprehensive Financial Planning
Most people at some point in their life are in need of personal financial planning.  They usually have certain basic financial goals they want to attain, but due to lack of a well thought out plan, they never seem to reach their goal. Furthermore, faced with a bewildering array of investments, insurance coverage, savings plans, tax saving devices, and retirement plan choices, people tend to make uninformed choices in regard to their financial well-being. Through personal financial planning, we assist in the development and implementation of a total well-coordinated plan to insure the achievement of financial objectives. There are five major cornerstones that we review as part of our service. We analyze what plans and coverages you have and their cost to you in order to provide recommendations on improving your overall financial well-being.

1.  Insurance Coverage Review

• Long Term Care
• Disability Coverage
• Health benefit coverage
• Property and Casualty
• Life

2.  Investments

• Overall investment review to assess risk factors and redundancy
• Recommend asset allocation changes if required
• College Expense funding
• Develop an accumulation and preservation of wealth plan
  

3.  Retirement

• Analysis of expected future needs
• Review current plans
• Recommend additional plans if appropriate

4.  Tax

• Review current returns
• Recommend legal strategies to reduce taxes     

5.  Estate

• Review current plan, to insure its synergy with current laws
• Plan for an efficient, cost-effective transfer of assets.

Steps in the Planning Process:

Comprehensive personal financial planning is a process that is both scientific and artistic. Financial planning involves formulating, implementing and monitoring multi-functional decisions, with the objective of achieving financial goals. Personal financial risks are managed through the use of detailed cost benefit analysis. We at Cozzene Advisors meet with you to understand your financial needs and objectives, and then take the following steps together as a team:

1.  Gather information and prepare financial statements

2.  Identify objectives

3.  Analyze present condition and consider alternatives

4.  Develop and present to you the plan, help you to implement the plan

5.  Meet for periodic review and revision of the plan

Mission Statement

Our goal is to provide the highest quality financial services and products to individuals and small businesses, with an emphasis on building a comprehensive financial relationship.

Values

• Confidentiality
• Professionalism
• Diligence
• Integrity
• Objectivity
• Competence

Approach

• Needs-based approach that is relationship focused.
• Offers a method to help the client establish a comprehensive financial plan that meets their individual desired level of risk and return.
• Addresses the clients' individual requirements through a highly customized and personalized assessment of their goals and objectives.

The risk of loss exists in all investments. A prospective investor should carefully evaluate all investments in light of their financial position and tolerance for risk.