Our Offering
"EMICO offers more than just smart financial advice. We offer and engage with you in a long term, consistent, and meaningful relationship. Our continuity of service for the life of our partnership sets us apart. We are sensitive to the emotional needs that come with financial planning, so we get to know you personally to anticipate your needs."
Knowledge
EMICO offers comprehensive financial advice by systematically and routinely looking at your entire financial picture, and building a plan, in collaboration with you, that is driven by your vision and future goals. We center on your unique needs and goals, and include the areas of Cash Flow Analysis, Investment Management, Tax Strategies, Risk/Protection Management, and Estate Planning. We concentrate on these five key areas of financial planning services to deliver peace of mind as you prepare for and live through retirement.
Cash Flow Analysis
- Project future income needs
- Develop a distribution plan for retirement
- Project the impact of unexpected life changing events
- Surviving Spouse cash flow analysis
- Social Security optimization analysis
Investment Management
- Design an investment strategy specific to individual goals
- Establish investment accounts and implement customized plans
- Apply ongoing investment research to existing accounts
- Monitor portfolio structure to asset allocation models
Tax Strategies
- Project future federal and state tax liability
- Develop long term tax reduction strategies
- Assess tax implications of investment changes and distributions from retirement accounts
Risk/Protection Management
- Develop strategies to provide for family members in the event of a premature death or disability
- Protect cash flow and assets
- Evaluate ability to manage a potential long term care need
- Manage “plan” risk
Estate Planning
- Assess exposure to estate and inheritance taxes
- Monitor beneficiary information
- Review current power of attorney, living will, and health care directives
- Develop charitable and philanthropic gifting
Trust
EMICO values an educated client base. We spend time ensuring you understand more than just your overall plan. We make sure you grasp the details of every area of your plan so you can effectively participate not only in the decision-making of your plan, but also in living out your plan day to day. We believe clients who know more, have no more stress.
Integrity
EMICO is an independent, financial advisory service firm focused on and committed to keeping your needs first. We represent only our clients and their interests rather than any specific company. We are primarily fee-based, and have no ties to any business entities to sell certain investment products. Our independence is fundamental to providing objective and unbiased advice.
Systems
EMICO deliberately and systematically conducts your service experience. We take charge of the relationship, contacting you to schedule routine meetings, and reaching out with updates and news. Our systems allow us to methodically and consistently deliver an exceptional client experience. We work with you using carefully selected, state of the art software tools, to stay on top of all your financial needs. You will always know what to expect from us.
EMICO offers comprehensive financial advice by systematically and routinely looking at your entire financial picture