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CORE 360

Core 360 embodies the comprehensive array of wealth management services and topics that Hungerford Financial offers. These resources are readily accessible to all our clients, serving as a valuable reference for both present and future planning needs. Our goal is to create a flexible plan that adjusts with you as life changes.

Encompassing a broad spectrum of areas including investment management, retirement planning, tax planning, estate planning, college planning, risk management and insurance, cash flow analysis, charitable giving, business succession planning, as well as executive compensation, Core 360 reflects our commitment to delivering holistic financial planning solutions. By addressing each of these critical aspects in collaboration with our clients, Hungerford Financial ensures that every facet of their financial journey is meticulously considered and strategically managed, reinforcing our dedication to providing comprehensive and client-centric financial planning. 

Retirement Planning

Retirement Planning

Design your golden years with confidence and clarity through tailored retirement planning - because the best chapters of life deserve the perfect plot.

Our retirement planning services involve:

  • Reviewing your current plan for retirement to understand where you are at today and how we can help you in the future. 
  • Optimizing what you already have established and lending our expertise to improve your plan. 
  • Implementing changes to continually work towards your financial freedom. 
  • Monitoring your plan and making changes through life's ups-and-downs.

Whether you’re five years away from retirement or 20 years away, we’ll guide you through the steps necessary to help secure enough assets for your optimal retirement lifestyle. After evaluating your current financial situation, we’ll identify the income sources and strategies that are most advantageous for you as you prepare for your life past employment.

By considering factors such as savings, investments, pensions, social security benefits, and healthcare expenses, we can help you create a roadmap to achieve your desired retirement lifestyle. Moreover, early retirement planning allows for the power of compounding interest and tax-efficient savings, optimizing financial growth over time. With careful planning and periodic reassessment, individuals can navigate retirement confidently, enjoying the fruits of their labor while maintaining financial stability and confidence.

Moreover, a well-crafted retirement plan can provide a structured approach to achieving financial independence, affording you the flexibility to pursue your passions and goals without the constraints of financial worries. Beyond personal benefits, a robust retirement plan can also serve as a safeguard against unforeseen circumstances, such as medical emergencies or economic downturns, bolstering overall financial resilience and security. Integrating a retirement plan into your financial portfolio helps to ensure a comprehensive approach to wealth management, enabling you to navigate life's uncertainties with confidence and clarity.

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Tax Planning

Tax Planning

Aim to maximize your wealth and minimize your worries with tax planning - where savvy strategies pave the way toward financial freedom.

Do you want to find out how you can reduce your tax burden?

Tax planning is a strategic financial process designed to optimize an individual's or entity's tax liability while remaining compliant with applicable tax laws and regulations. It involves analyzing financial situations, identifying potential tax deductions, credits, and exemptions, and implementing appropriate strategies to minimize tax burdens.

Effective tax planning encompasses various aspects such as income tax, estate tax, and capital gains tax, aiming to maximize after-tax income and preserve wealth over the long term. By proactively managing tax obligations and leveraging available tax-saving opportunities, individuals and businesses can enhance financial efficiency, mitigate risks, and achieve their overall financial objectives.

You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. While it’s hard to imagine anyone intentionally paying too much in taxes, the IRS estimates that more than one billion dollars is overpaid in taxes each year. That’s no surprise when tax laws change every year—even in years when no major tax legislation is enacted.

How much of that money is yours? Wouldn’t you rather see those funds in your bank account or put aside for your retirement or other financial goals?

You might be able to save on taxes by:

  • Restructuring your investment portfolio to produce a higher after-tax return
  • Shifting income to dependents in a lower tax bracket
  • Claiming appropriate home office deductions
  • Maximizing qualified plan and IRA contributions
  • Identifying all the deductions that apply to your small business

If you’re like most people, your taxes represent one of your largest annual expenses, yet often little or no planning is done to minimize your tax bill. Careful tax preparation and planning can free up money that you can use to achieve your goals.

United Planners and its representatives do not provide tax advice, and any tax services beyond the scope of financial planning are provided independently of United Planners.

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Investment Management

Investment Management

Elevate your wealth with precision and passion through professional investment management - where every decision is a step closer to your financial goals.

When you work with us, we will:

  • Identify Your Short- and Long-Term Objectives:
    As these objectives change, we’ll strategically adjust our approach according to the current state of the market to help you continue to generate returns.
  • Determine Your Optimal Risk Tolerance:
    Through a series of questions, we’ll pinpoint the amount of risk needed for you to help you achieve your goals and remain confident in our services.
  • Follow a Timeline That’s Right For You:
    After outlining your objectives, we’ll design a strategy that aligns with your optimal timeline for pursuing your returns. 

Investment management involves the strategic allocation and oversight of financial assets with the goal of maximizing returns while managing risks. It encompasses a range of activities, including portfolio construction, asset selection, and ongoing monitoring and rebalancing. Effective investment management considers factors such as risk tolerance, investment goals, time horizon, and market conditions to develop a customized investment strategy tailored to individual or institutional needs.

Our knowledge and insight into investment and preservation strategies enables us to craft an investment portfolio uniquely tailored to you. Through ongoing collaboration and monitoring, our team is able to discover the best avenues for you to invest your wealth and accomplish your goals. In addition to managing your investments, we’ll educate you on the rationale behind each investment decision so you’re well-versed in the logic of our approach.

By diversifying across various asset classes and employing disciplined investment principles, we aim to optimize returns over the long term while mitigating volatility and preserving capital. Through continuous evaluation and adjustment, our goal is to adapt to changing market dynamics and investor objectives, ultimately striving to help our clients achieve their financial goals and secure their financial future.

In order to best serve you, our Chief Investment Officer, Connor Price, builds custom investment portfolios suited to your needs and risk tolerance. In the complex world of investments, Connor’s responsibilities and experience allow him to lead you towards your goals while being mindful of market conditions.

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Estate Planning

Estate Planning

Secure your legacy and empower your loved ones with strategic estate planning - where your story lives on, exactly as you envisioned.

At Hungerford Financial, we understand that planning for the future goes beyond managing your finances today. It's about ensuring your legacy and the well-being of your loved ones for generations to come. Our team of experienced financial planners is here to provide comprehensive estate planning services to help you protect your assets, minimize taxes, and create a solid plan for the future.

Estate planning is a crucial process that involves arranging for the management and disposal of one's estate during their lifetime and after death. It encompasses various elements such as drafting wills, establishing trusts, designating beneficiaries for assets like property and financial accounts, and planning for incapacity through powers of attorney and healthcare directives.

Why Estate Planning Matters

Estate planning is an essential component of your overall financial strategy. It allows you to make important decisions about what happens to your assets, properties, and financial resources when you're no longer here to manage them. Without a well-thought-out estate plan, your loved ones may face unnecessary stress, financial burdens, and potential disputes.

Our Estate Planning Expertise

Hungerford Financial offers a wide range of estate planning services tailored to your unique needs. Our team is well-versed in the intricacies of estate planning, and we're committed to helping you achieve the following:

  • Asset Protection: We'll work with you to help safeguard your assets, aiming to ensure that your hard-earned wealth is preserved for your heirs and beneficiaries.
  • Minimizing Taxes: Our financial planners will help you navigate the complex world of estate taxes and inheritance taxes to help minimize the financial burden on your estate.
  • Creating Estate Documents: We work closely with a network of Estate Attorneys who specialize in creating all your estate documents.
  • Healthcare Directives: Ensure that your medical and healthcare preferences are honored by creating advance healthcare directives, including living wills and healthcare powers of attorney.
  • Beneficiary Designations: Review and update beneficiary designations on your financial accounts, retirement plans, and life insurance policies to align with your current wishes.
  • Business Succession Planning: If you own a business, we can assist in developing a clear plan for the transition of your business to the next generation or new owners.
  • Charitable Giving: Explore options for leaving a lasting legacy through charitable giving, such as establishing charitable foundations or trusts.

Personalized Solutions

Estate planning is not a one-size-fits-all endeavor. We understand that your financial situation, goals, and family dynamics are unique. That's why we take a personalized approach to create an estate plan that addresses your specific needs and objectives.

Your Trusted Estate Planning Partner

With Hungerford Financial as your estate planning partner, we hope you can rest assured that your financial legacy is in capable hands. Our team will guide you through the entire process, helping to ensure that your estate plan is up-to-date and reflects your current circumstances and wishes.

Take the first step towards securing your family's financial future and protecting your legacy. Contact Hungerford Financial today to schedule a consultation and begin your estate planning journey with us.

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College Planning

College Planning

Help ensure a bright future for our next generation through thoughtful college planning.

Are you feeling overwhelmed by the financial aspects of sending your child to college? At Hungerford Financial, we understand the anxiety that can come with college planning, and we're here to help you navigate this important journey. Our dedicated team will stand by your side every step of the way to help ensure you make the best decisions for both you and your child's future.

College planning is a strategic process that involves preparing financially for higher education expenses and navigating the complexities of college admissions and funding options. It encompasses setting educational goals, researching colleges and universities, and developing a comprehensive financial plan to cover tuition, room and board, textbooks, and other related costs. College planning also involves exploring scholarship opportunities, grants, student loans, and education savings accounts such as 529 plans to help fund college expenses efficiently.

By starting early and being proactive in their approach, families can alleviate the financial burden of college education and empower students to pursue their academic aspirations without undue financial stress. A well-thought-out college planning strategy ensures that students can access quality education while minimizing student debt and maximizing opportunities for future success.

Our Services

When you choose to work with us, you'll benefit from our comprehensive suite of college planning services. We're committed to making the process as smooth and stress-free as possible. Here's what you can expect when you partner with Hungerford Financial:

  • Identify college savings vehicles that will work for you. 
    Understanding the intricacies of college savings accounts is crucial. We'll provide you with a thorough breakdown of the advantages and disadvantages of each type of account to empower you to make informed decisions.
  • Review and compare the pros and cons. 
    Understanding the intricacies of college savings accounts is crucial. We'll provide you with a thorough breakdown of the advantages and disadvantages of each type of account to empower you to make informed decisions.
  • Explore college options. 
    Finding the perfect college is a significant part of the process. We'll guide you through every step of this journey, from identifying schools that align with your interests to discovering additional institutions that may be an excellent fit for your academic and financial goals.
  • Analyze college funding opportunities. 
    College costs can be daunting, but we're here to help. We'll analyze the scholarships and financial aid options available at the colleges you're considering, giving you a clear picture of the funding opportunities and the expected expenses.
  • Implement strategies for funding college. 
    Understanding how to pay for college can be complex. Our team will work with you to assess your savings, expected costs, and potential funding sources. We'll craft a tailored strategy to minimize or even eliminate the need for student loans.

At Hungerford Financial, we believe that every student deserves access to quality higher education without the burden of overwhelming debt. Our services are designed to empower you with the knowledge and guidance necessary to make the best choices for your family's future.

Let us be your college planning partner. Contact us today to schedule a consultation and take the first step toward securing your child's educational dreams while preserving your financial well-being.

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Risk Management and Insurance

Risk Management and Insurance

Preparing for life's curveballs to safeguard your peace of mind and financial stability.

Life is full of uncertainties. As much as we wish otherwise, we do not know what the future holds.  From health concerns, accidents, and job loss, we can’t control what happens to us. Why not have a financial plan that makes these considerations? At Hungerford Financial, our approach aims to minimize the impact of unexpected events and provide clear guidelines for navigating their aftermath, allowing you to focus on your well-being while leaving the financial worries to us.

To achieve this, we conduct a thorough analysis of potential risk factors and devise tailored strategies to mitigate their impact on your future. This may involve assessing insurance coverage, implementing loss control measures, or establishing a robust succession plan. Whatever the circumstances, our priority is to safeguard your best interests and ensure financial resilience in the face of adversity. 

Risk management and insurance play pivotal roles in comprehensive financial planning, serving as crucial safeguards against unforeseen events and potential financial setbacks. Through meticulous evaluation of insurance needs and coverage options, individuals and businesses can effectively mitigate risks and protect their financial stability and long-term objectives. By proactively addressing potential challenges, we believe our clients can enjoy peace of mind and confidently navigate life's uncertainties, knowing that their financial foundation remains strong and resilient. 

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Business Retirement Plans

Business Retirement Plans

Secure your future with a business retirement plan - where financial stability meets your entrepreneurial journey.

Business retirement plans play a pivotal role in ensuring the financial security of employees and the long-term sustainability of the organization. These plans, such as 401(k)s, SEP IRAs, or SIMPLE IRAs, offer employees a structured way to save for retirement. Employers often match employee contributions, providing a valuable incentive for participation.

Besides benefiting employees, business retirement plans also contribute to employee retention and attraction, bolstering the company's competitive edge in the job market. Moreover, they enable business owners to save for their own retirement while enjoying tax advantages and demonstrating a commitment to the financial well-being of their workforce. Overall, business retirement plans serve as a cornerstone for building financial security and fostering a culture of long-term financial planning within the organization.

These plans are not one size fits all. We consider factors such as company size, budget, administrative complexity, and desired employee participation when establishing the retirement plan. We help navigate the regulatory landscape, ensuring compliance with relevant laws such as ERISA (Employee Retirement Income Security Act) and IRS regulations, thereby mitigating legal risks and potential penalties.

 Once the retirement plan is established, we continue to provide ongoing support by assisting with plan administration, investment selection, and employee education. We can help design investment lineups that align with the company's investment philosophy and risk tolerance while offering diverse options to cater to the varied needs of employees. Through regular reviews and monitoring, we help optimize the plan's performance, making adjustments as necessary to adapt to changing market conditions or regulatory requirements. Moreover, we educate employees about the importance of retirement planning, investment strategies, and maximizing employer contributions,  which ultimately empowers them to make informed decisions to secure their financial future.

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Cash Flow and Distribution  Analysis

Cash Flow and Distribution  Analysis

Navigate the currents of success with strategic cash flow and distribution planning - ensuring prosperity flows seamlessly through every venture.

Distributions and cash flow analysis are fundamental aspects of financial management that provide insight into income, expenses, and overall financial health.

Distribution planning is a pivotal component of any comprehensive financial plan, especially for those nearing retirement or those seeking to manage their wealth more effectively. This aspect of financial planning involves strategizing the distribution of assets, investments, and income streams to meet short-term needs and sustain long-term financial security. By carefully planning how and when to draw on assets, you can optimize tax efficiency, minimize financial risks, and ensure a steady stream of income throughout your retirement years. Additionally, distribution planning allows you to incorporate charitable giving goals, legacy aspirations, and healthcare expenses into your financial roadmap, providing a holistic approach to wealth management and legacy preservation. 

Cash flow analysis, on the other hand, examines the movement of cash in and out of accounts, providing a detailed understanding of liquidity and the ability to meet financial obligations. By meticulously examining cash inflows and outflows over a specified period, you can gain invaluable insights into your financial health, identify spending habits, and pinpoint areas for optimization. Understanding cash flow patterns enables you to make informed decisions regarding budgeting, savings, debt management, and investment strategies. A well-executed cash flow analysis also facilitates strategic planning for major life events such as purchasing a home, funding education, or transitioning into retirement. By incorporating cash flow projections into your financial plan, you can anticipate future cash needs, mitigate risks, and position yourself for financial success and resilience in the face of changing circumstances.

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Charitable Giving

Charitable Giving

Elevate your impact, ignite change, and leave a legacy with the power of charitable giving.

We are passionate about making your money work for you, but we also believe in the power of philanthropy to make a meaningful impact beyond your personal finances. That's why we take pride in assisting with charitable donations and ensuring that your contributions have a lasting effect on the community. Through our access to a diverse range of world-class funds, we can help your money grow while simultaneously changing lives for the better. We understand that giving back isn't just about altruism; it's also about leveraging your resources to create positive outcomes that extend beyond your own financial interests.

Integrating charitable giving into your financial strategy isn't just about generosity—it's also a strategic decision that can have tangible benefits for your bottom line. By considering tax implications and exploring options like donor-advised funds or charitable trusts, we can help you optimize your giving to maximize its impact while also providing potential financial advantages. Through thoughtful financial planning, we can ensure that your philanthropic endeavors align with your overall financial goals, allowing you to leave a lasting legacy of compassion and generosity that extends well into the future.

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Business Succession

Business Succession

Whether you're divesting your business or transferring it to future generations, our expertise stands ready to provide guidance throughout the process.

Business succession planning is a strategic process designed to ensure the smooth transition of ownership and leadership within a company before key stakeholders retire, pass away, or decide to exit the business. It involves identifying potential successors, developing their skills, and establishing a clear roadmap for the transfer of ownership and management responsibilities.

By addressing issues such as leadership continuity, ownership transfer, and estate planning, businesses can navigate transitions seamlessly while preserving their legacy and ensuring long-term sustainability. A well-executed succession plan provides clarity, stability, and confidence to employees, customers, and investors, enabling the business to thrive across generations and changing market conditions.

In addition, understanding the value of your business through in-depth valuation services is paramount to effective business succession planning. An accurate valuation provides clarity on the true worth of the business, enabling owners to make informed decisions regarding succession strategies, whether it involves passing the business on to family members, selling to a third party, or transitioning to key employees. Additionally, a comprehensive valuation considers various factors such as financial performance, market conditions, and industry trends, offering insights into potential growth opportunities and areas for improvement, which can inform succession planning decisions.

Moreover, a precise valuation helps facilitate negotiations and agreements between stakeholders, ensuring fair and equitable outcomes during the succession process. Ultimately, understanding the value of the business through thorough valuation services is essential for crafting a succession plan that safeguards the continuity and prosperity of the business for future generations or stakeholders.

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Executive Compensation

Executive Compensation

Attract top talent, incentivize performance, and align leadership goals with organizational success.

Executive compensation is a multifaceted aspect of organizational management that extends far beyond just base salaries and bonuses. In crafting comprehensive compensation packages, factors like health and retirement benefits, fringe benefits, short-term incentives, and long-term incentives all play integral roles. Additionally, considerations of corporate social responsibility (CSR) are increasingly becoming pivotal in these deliberations. A robust compensation package not only aims to attract and retain top-tier executives but also ensures that they are invested in the company's success on multiple levels.

At its core, executive compensation serves as a mechanism to align the interests of executives with those of the company and its shareholders. This alignment is crucial for maintaining organizational cohesion and driving strategic objectives forward. The intricacies of executive compensation reflect the executive's role, responsibilities, and contributions to the organization's overall success. From negotiating competitive salaries to designing performance-based incentives, every aspect is meticulously tailored to ensure market competitiveness, regulatory compliance, and alignment with the company's long-term vision and values. By fostering a culture of accountability, innovation, and shareholder value creation, effective executive compensation strategies not only reward performance but also contribute to the overall health and prosperity of the organization.

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Other Resources

Other Resources

Want to learn more about retirement, social security, or estate strategies? We have a wealth of resources.

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Speak to a Professional

If you believe you could benefit from working with a financial professional, let’s review yours goals to see if you’re a good match for our practice.

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