Why Consult with Premier Financial Before Having a Child

Having a child is a major life event that comes with new financial responsibilities and expenses. At Premier Financial we can help you navigate these changes and help you be ready for the new addition to your family.

Here are some ways we can help:

• Create a budget that accounts for the additional expenses of having a child, such as the cost of diapers and formula.
• Plan for your child’s future financial needs, such as college expenses and starting a retirement account.
• Determine how much life insurance you need to protect your family.
• Review your current investment portfolio and make sure it aligns with your new financial
• Ensure that your estate plan is in order and that your child is provided for in the event of your death.

Consulting with Premier Financial before having a child can give you peace of mind and ensure that you are financially prepared for the new addition to your family.

Preparing for a new phase in your life, whether it’s getting engaged or married, is an exciting time. However, it’s also important to consider the financial aspects of this new chapter. Our financial advisors can help you navigate these changes and ensure that you are financially prepared.

Here are some ways we can help:

• Create a joint budget and financial plan for your future together.
• Review and combine your current investment portfolios.
• Discuss and plan for any major expenses, such as buying a house or starting a family.
• Discuss and make any necessary changes to your insurance policies, such as updating beneficiaries.
• Create a plan for long-term financial goals, such as retirement.
• Create a plan in case of unexpected events such as death or divorce.

Consulting with us before getting engaged or married can help ensure that you and your partner are on the same page financially for your future together.

Navigating a Divorce or Spousal Death: How Premier Financial Can Help

Experiencing a divorce or the loss of a spouse can be a challenging and overwhelming time, not just emotionally but also financially. Talking to one of our financial advisors can help guide you through these changes and develop a plan to ensure your financial stability during this difficult time.

Here are some ways we can assist you:

• Create a personalized budget and financial plan for your future.
• Review and adjust your investment portfolios to align with your new goals and circumstances.
• Help you plan for any major expenses, such as buying a new home or providing for your children.
• Review and update your insurance policies, such as updating beneficiaries.
• Develop a plan for achieving your long-term financial goals, such as retirement.
• Help you create a plan to divide debts and assets fairly.

Working with us during this time can give you the support and guidance you need to navigate the financial challenges of divorce or spousal death and help promote a stable financial future.

Navigating an Inheritance: How Premier Financial Can Help

Receiving an inheritance can be a complex and emotional time. Talking to one of our financial advisors can help you have peace of mind while navigating these changes and ensure that you are financially prepared.

Here are some ways we can help:

• Create a plan for managing and investing the inherited assets.
• Review and adjust your investment portfolios to align with your new financial situation.
• Understand the tax implications of receiving an inheritance and plan accordingly.
• Discuss and make any necessary changes to your insurance policies, such as updating beneficiaries.
• Create a plan for long-term financial goals, such as retirement.
• Help you understand the legal and administrative aspects of receiving an inheritance.
• Assist you in creating a plan for distributing the inheritance to other beneficiaries if needed.

Consulting with Premier Financial after receiving an inheritance can give you peace of mind and help you put your inheritance to a use that serves you best. 

Changing Jobs: How Premier Financial Can Help

Changing jobs can be a significant event that comes with new financial responsibilities and expenses. Premier Financial can help you with these changes and ensure that you are financially prepared.

Here are some ways we can help:

• Help you understand your options with retirement accounts at previous jobs.
• Assess the financial impact of a job change and create a plan to address any potential income discrepancies.
• Review and adjust your investment portfolio to align with your new financial situation.
• Provide guidance on negotiating salary and benefits packages, including retirement plans and health insurance.
• Help you plan for any potential job transition costs such as relocation expenses.
• Discuss and make any necessary changes to your insurance policies, such as updating beneficiaries.
• Create a plan for long-term financial goals, such as retirement.
• Help you understand the legal and administrative aspects of changing jobs such as unemployment benefits or severance packages
• Provide guidance on managing debt and budgeting during a job transition

Consulting with us before or after a job change can help make this transition in your life seamless and comfortable.

Navigating Pre/Post Retirement: How Premier Financial Can Help

Retirement is a significant transition with many changes. Premier Financial can help you navigate these changes, whether you are preparing for retirement or have already retired, and ensure that you are financially ready.

Here are some ways we can help:

• Assess your current financial situation and create a plan for a secure retirement.
• Review and adjust your investment portfolio to align with your retirement goals.
• Understand the potential tax implications of retirement and plan accordingly.
• Help you plan for any potential retirement transition costs.
• Discuss and make any necessary changes to your insurance policies, such as updating beneficiaries.
• Create a plan for long-term financial goals, such as travel or philanthropy.
• Help you understand the legal and administrative aspects of retirement such as social security and pension benefits
• Provide guidance on managing debt and budgeting during retirement.

Consulting with one of our financial advisors before or after retirement can help make this important change a positive and easy one.

Buying a House: How Premier Financial Can Help

At Premier Financial, our team of experienced financial advisors can help you navigate the complex process of buying a house. We understand that buying a home is one of the biggest financial decisions you will make, and we are here to help you make the most informed and financially responsible decision possible. 

Here are some ways we can help:

• Determine how much you can afford to spend on a home
• Understand the different types of mortgages available and which one may be the best fit for your situation
• Create a budget and savings plan
• Understand the long-term financial implications of buying a house.
• Help you understand your credit score and how it may impact your ability to get a mortgage.

Trust us to provide you with the guidance and support you need to make the best financial decision when buying your dream home. Contact us today to schedule a consultation with one of our financial advisors.

Business Owners: How Premier Financial Can Help

As a business owner, it’s important to plan for the future and invest wisely in your company. At Premier Financial Group, we understand the unique financial challenges that businesses face, and we’re here to help you navigate them. Our team of experts will work closely with you to understand your business’s financial goals and create a customized investment strategy that aligns with your vision and values.

We’ll help you identify and prioritize opportunities for growth, manage risk, and maximize your returns. With our guidance and support, you can feel confident that you’re making informed decisions that will benefit your business for years to come. Contact us today to learn more about how we can help you invest in your business’s future.