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SERVICES

We are wealth managers and we help financially successful people navigate the challenging financial markets so that they can benefit from their endeavors and enjoy their time in retirement. We are a full service organization, from wealth management and tax reduction strategies to asset protect and estate transition planning. We do not measure our level of services against other financial firms- that just wouldn't be good enough. We strive to lead our industry in excellence.

 

As Fiduciaries we work for you. Your assets are custodian at well-known firms such as Fidelity and TD Ameritrade. Through our arrangements with these firms we will be able to manage your finances in a manner that is aligned with your goals. We will not earn commissions from the assets we manage; we are simply paid a flat fee based on the assets we manage. When you do well, we do well.

 

At Fleming Financial Services, we value timely and personalized communication. As a client, you will always have a dedicated point of contact providing personalized attention. We will be available to sit with you on a regular basis and if you have questions, just call and we will make sure your questions are answered promptly.

INCOME PLANNING

We'll help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.  
This includes:
  • Social Security Maximization
  • Income & Expense Analysis
  • Inflation Plan
  • Spousal Plan
  • Longevity Protection

INVESTMENT PLANNING

Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.
This includes:
  • Assessing your Risk Tolerance
  • Adjusting your portfolio to reduce fees
  • Volatility Control
  • Evaluate ways to reduce risk while still accomplishing your goals
  • Comprehensive Institutional Money Management

TAX PLANNING

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities.
This includes:
  • Assessing the taxable nature of your current holdings
  • Stretch IRA planning
  • Strategizing ways to include tax-deferred or tax-free money in your plan 
  • Strategize which tax category to draw income from first to reduce tax burden
  • Leverage your qualified money to potentially leave tax-free dollars to your beneficiaries
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HEALTH CARE PLANNING

We will create a plan to help you protect yourself against rising healthcare costs with a minimum of expense.
This includes:
  • Looking at all aspects of Medicare, Parts A, B and D
  • Analyzing options for Long-Term Care Plan
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LEGACY PLANNING

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner.  By working collaboratively with a qualified Estate Planning Attorney, our goal will be to help you to:
  • Maximize your estate and income planning opportunities
  • Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
  • Protect your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death.
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