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Comprehensive Financial Consulting Services

Comprehensive Financial Planning consists of looking at the income, assets, and protections to make sure that one’s financial house is in order.  Is there sufficient income to live a comfortable lifestyle without worries of running out of money?  Has the time of taking Social Security been optimized?  Is there an appropriate balance of safety and risk in one’s portfolio?  Is one protected from catastrophic events such as death and long-term care illnesses?  Have the assets been set up to bypass probate, income tax, and estate tax when it comes time to pass assets to the next generation?  By addressing all these areas, we can promote peace of mind with our clients knowing that everything has been considered.

Safe Investments

Safe Investments – Very few people should have all their money at risk.  Most people should have a portion of their assets safe as well.  But to the extent that you want to protect assets from loss, you also want to get the highest rate of return without crossing the threshold into risk.  We have found that the best safety-based instruments are the following:

Life Insurance*

Not everyone should have life insurance. Life insurance can be used for different purposes. For younger people, life insurance can protect an income in case someone dies prematurely. But what about people who are retired? If you’re no longer generating an income is life insurance still needed? Well, that depends. Life insurance may still be needed if the death of a spouse would cause a financial hardship to the survivor which much of the time isn’t the case. But the other use of life insurance in retirement is estate transfer. Life insurance is one of the only leveraged vehicles that can pass income tax, probate, and estate tax free to the next generation if structured properly. Should everyone have it? Absolutely not. We review and advise our clients on the proper amount and type of insurance if any for their specific needs and lifestyle.

As part of the financial planning process, we review and advise our clients on the proper amount and types of insurance for their specific needs and lifestyles.

Long-Term Care*

Everyone has a Long-Term Care (LTC) policy—they may just not be aware of it. Self-insuring is what you have chosen if you have not yet considered putting a LTC policy in place. People usually don’t choose to be a burden on their spouse, children or other family members, nor rely on the government for their well-being in their later years. If one of your goals is to age with dignity and independence, LTC may be an option you might want to discuss and consider.


Managing risk is a big part of a healthy financial plan. Just as not all of one’s assets should be at risk; most people shouldn’t have all their money safe either. It’s usually ok to have assets at risk as well. But to the extent that money is at risk, we want to remove as much of that risk as possible. To that end, we believe in employing artificial intelligence (AI) in monitoring portfolios and backing that up with a safety net. AI can take far more into consideration than a human being when making decisions as to whether it’s a good time to be in the market or not. It avoids all personal bias’s and looks at only the facts. The main objective of AI is to reduce the effects of bear market cycles such as that which happened in 2008. It is 80-85% accurate in predicting these cycles. But for cases when it could fail, we also employ a safety net. The combination of the two concepts drastically reduces the risk of being in the market. But for those who trust a human being more than a computer, we also have a selection of traditional portfolios to choose from.


The value and benefits of working with Shield Financial is that we develop a plan and monitor it’s progress to meet changing goals, personal circumstances, and stages of your life.

*All guarantees are based on the claims paying ability of the insuring insurance company and are not covered by FDIC insurance or any other governmental agency.