Our Process

Our unique, time-tested process is based on years of experience; successfully helping clients accumulate and preserve their wealth while providing more opportunities for the next generation.

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Our Process Broken Down

Identify

1


Identify and prioritize your future dreams and goals.

Analyze

2


Analyze and evaluate your current financial situation.​​​​​​​

Develop

3


Strategize and develop custom recommendations.

Implement

4


Activate and implement your strategies.

Review

5


Review, and when needed, refine to help ensure the plan stays on track as your life evolves.

The 6 Key Areas Of Financial Planning

Financial Situation

1


• Net Worth Statement
• Cash Flow Analysis
• Debt Management

Risk Management

2


• Asset Protection
• Life Insurance
• Disability/Income Protection
• Long Term Care
• Property & Casualty
• Group Health Benefits Plans
• Key-Person Coverage
• Business Overhead Coverage

Wealth Accumulation

3


• Investment Portfolio Optimization*
• Alternative Investments*
• Annuities
• Risk Analysis
• College Funding Strategies

Tax Reduction

4


• Income, Federal, State, & Estate Tax
• Capital Gain/Loss
• Alternative Minimum Tax
• Tax-Free Income Generation
• Captives

Retirement Planning

5


• Income Withdraw Planning
• SEP, IRA, Roth, 401(k), 403(b)
• Social Security
• Pension Maximization
• 401(k) Plans
• Employer Sponsored Plans
• Profit Sharing Plans
• Non-Qualified Executive Compensation
• Split Dollar Arrangements

Estate Planning

6


• Will/Living Will
• Power of Attorney/Health Care Proxy
• Philanthropy
• Wealth Preservation & Transfer
• Buy-Sell Agreements
• Business Continuity Plans

Create a cushion against market volatility

Diversify your sources of retirement income

Can You Afford To Retire?

Taking Control Of Your Financial Future


Address

109 Mulberry St
Berwick, PA, 18603

Check out the background of this firm on FINRA's BrokerCheck

*Registered Representative of, and Securities and Investment Advisory services are offered through Hornor, Townsend & Kent, LLC, (HTK), Registered Investment Advisor, Member FINRA/SIPC, 161 Washington St., Ste. 700, Conshohocken, PA 19428. 610-771-0800. 1847Financial and other listed entities are unaffiliated with HTK. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation. Our representatives are insurance and securities licensed in our resident state of Pennsylvania, as well as additional states. For complete licensing information, please contact our office. Not an offer or solicitation in any state where representatives are not licensed.
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