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Holmes Management prides itself on having a well defined and acute understanding of the 6 Areas Of  Financial Planning.  Each client interaction can include a full evaluation of the following areas:




Securities and investment advisory services offered through FSC securities corporation (FSC), memberFINRA /SIPC. FSC is separately owned and other entitles and/or marketing names, products or services referenced here are independant of FSC.

FSC  Securities does not provide legal or tax advice. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.

Holmes Management LLC.

 


Financial Position

  •   Assets vs Liabilities
  •   Cash Flow / Budget Management



Protection Planning

  •    Survivor Income Need Planning
  •    Life Insurance/Disability Policy

             Evaluation                       

  •    Long Term Care , Needs & Evaluation
  •    Liability Protection



Investment Planning

  •    Portfolio Construction /Evaluation
  •    Investment Selection
  •    Professional Investment
  •    Educational  Funding  / Planning


Tax Planning

  •    Tax Reduction Strategies
  •    Tax Shelters  / Tax Deferral
  •    Generational 
  •    Tax  Deflection                  
  •    Tax Free Investments



Retirement Planning

  •   Determine Overall Retirement  Need   
  •   Retirement Expense  Projections
  •   Protecting Against The Rising Cost  Of       Living
  •   Managing Retirement Plan          
  •   Distributions
  •   Evaluating Pensions
  •   Lump Sum Payout vs Life Time Income



Estate Planning

  •    Advice on Estate Transference
  •    Trust Evaluation / Trust Strategic                      Planning
  •     Giving Strategies
  •    Blended Family Issues
  •    Catastrophic Health Care Strategies