Main Office: 650.377.4108
1510 Fashion Island Blvd. Ste. 210
San Mateo, CA 94404
A financial plan is not merely a set of numbers and projections. It is a document of your life, your goals for the future, and what matters to you. Although most people have goals and hopes for their future, relatively few take the time required to put together a plan that will show them what they need to achieve them, or alert them to potential risks lurking along the way. Owning a home, passing on a family business, being able to afford to travel or to stay in place in retirement… without taking action and following a plan, there is no way to know if or how these goals can be reached.
Many people are able to plan for and achieve some financial goals on their own. Those who have bought homes or saved for a college education know the discipline, forethought, and research that can be required just to meet a single objective. Planning for one’s entire life and its legacy requires a high degree of specialized knowledge and, often, the objectivity of an experienced professional who can help you decide what matters most to you and how much you can achieve with the resources you have.
As a 360° picture, a full financial plan looks at your current budget, your future needs, and at what you will leave behind. It can determine if you are saving enough to meet your goals and whether you are saving into the right type of accounts to meet your needs. Proper planning can reduce your tax liability now or in the future for you and your heirs. It can uncover hidden risks, such as legal liability or a long-term disability, and determine whether you have adequate insurance to protect yourself against them.
Without a plan, you are moving forward blindly into the future without knowing if your actions today are sufficient to meet your goals tomorrow. Meeting with an experienced financial planner can make sure that your actions now are part of a larger strategy. Knowing where you are currently and where you are headed can not only give you a sense of security that you are on the right track today, but satisfaction in the future when you have achieved your goals. Without a financial plan that can be implemented, your goals are only wishes or dreams.
Unless otherwise identified, Associates on this website are registered representatives of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer and a registered investment advisor. Member SIPC. Insurance offered through Lincoln affiliates and other fine companies and state variations thereof. In CA, insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Firm disclosure information available at www.LFG.com. Athena Wealth Strategies is a marketing name for registered representatives and investment advisor representatives of Lincoln Financial Advisors.
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See Lincoln Financial Advisors (LFA’s) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.
Julie VanTilburg, CA Insurance License #0C21028; Maritza Rogers, CA Insurance License #0E50369; Robin Starr, CA Insurance License #0G64012; Jeffrey Better, CA Insurance License #0182274; Kaitlyn Zawada, CA Insurance License #4084200
