Montridge Financial Planning

Investments Taxation Estate Conservation Estate Equalization

A financial plan is as unique as a fingerprint. It's about planning to suit your lifestyle today and your goals for tomorrow. Montridge's client-centered customer service approach is about listening as much as advising to ensure we are meeting both those needs.

Montridge Financial represents a new concept in financial counsel. We advise professionals and business owners on building a personal financial strategy that facilitates the creation of wealth. At the same time we develop strategies to protect that wealth over the long term. The result: freedom to enjoy financial success throughout your career and into retirement.

By combining all planning services under one umbrella our clients save time while benefiting from exceptional customer service, one-on-one attention and equal attention to short and long term goals. Montridge utilizes a formal planning process that includes client reviews, regular follow up and revising the plan to meet changing needs. Our consultative process means working in partnership with clients to meet specific needs. We listen. And we generate results.

Investments

Through financial planning Montridge will manage your investments for growth and the creation of wealth. In building the plan there are a number of important factors to consider.

	Liquidity - One of the most ignored yet important considerations of a strong financial plan. It is critical to have liquid funds available for a true emergency or financial opportunity. Too often plans fail because, in times of need, funds have to be withdrawn from other parts of the plan. A rule of thumb is to have three to six months of expenses put aside in a liquid, accessible account.
	Retirement Planning - A well designed financial plan manages investments to meet your objectives for when you want to retire and how much you will need to meet your lifestyle needs.

Taxation

Reducing the amount of tax you pay frequently has a greater impact on your personal wealth than the soundest investment policy. As part of the planning process at Montridge we examine ways to reduce current income taxes, maximize retirement income, and preserve the true value of your estate. Montridge Financial will discuss with you how integrating trusts, corporations and other advanced planning tools into your financial plan can reduce your tax burden.

Estate Conservation

Without proper planning a great deal of the wealth you have spent a lifetime building could be lost to taxation. Many people are unaware of how various investments are taxed upon death and, conversely, that special tax planning opportunities exist in the year of death. For maximum benefit opportunities must be anticipated well in advance with the establishment of wills, beneficiary designations, and trusts.

Estate Equalization

Most people wish to be fair when dividing their estate among their heirs. Parents, (or aunts, uncles, and grandparents) often make the mistake of leaving children with equal shares in the family cabin or equal shares in the family business. If not all the children share an enthusiasm for cottage country or some children work in the business and others do not, disagreement is likely to result. Montridge experts can help you divide the estate based on dollar value, rather than equal interests, to reduce the potential for family tension while preserving your intentions.