The Financial Planning Process We Take A Personal Step-By-Step ApproachWe know that no two individuals or businesses are alike. We also know that no two individuals or businesses share the same goals or approach to achieving those goals. That’s what makes our planning process effective. We don’t take a one-size-fits-all approach to helping you accomplish your goals and we don’t try to fit you into any particular model. Rather, we take the time to understand where you and your business are today, and where you desire to be tomorrow.Our approach to planning is three-fold. We will help you:Identify your current situation and your future financial objectives.Understand the options and alternatives available to you.Develop, implement, and monitor a program that will help you achieve those objectives through innovative investment and tax strategies....to help you planDrawing upon a broad network of insurance, investment and financial professionals throughout our area, we are able to provide you with a wide range of potential solutions to the complex personal, financial, and business issues you face every day.What’s more important, the extensive resources available to us through our home office and affiliated companies allows us to match nearly any need or concern you may have with an appropriate product, service, or program. Securities and Investment Advisory Services offered exclusively through Hornor, Townsend, & Kent, Inc.The Six Areas of Planning in Which We Specialize Include:1. Business PlanningFor helping you plan for the eventual transfer of your business to heirs or associates, based on your personal desires, and to show you strategies for using tax-favored business dollars to attract, retain, and reward select key employees.2. Wealth AccumulationDeveloping financial strategies with your long-term savings goals as a guide. Whatever your goals may be - helping your children afford college; paying for a wedding, a family trip, or a vacation house; early retirement; or being able to leave a legacy to your heirs or a favorite charity.3. Estate PlanningFor helping you preserve what you have worked so hard to build over the years, and to help you plan for the eventual distribution of your assets to heirs.4. Retirement PlanningVisualizing your retirement is important. In fact, it may be the most important first step to achieving your retirement dreams. But the key words are "first step." Your ideal retirement will not just happen5. Investment and Tax PlanningOur professionals help clients maximize their investment programs by taking advantage of favorable tax laws. In addition, by using asset allocation techniques, we demonstrate to our clients various strategies to potentially maximize their investment return while helping to reduce exposure to market volatility.6. Asset ProtectionHelping to protect those who depend on you, your family and business associates, should you die too prematurely or become disabled with an insurance policy that suits your individual needs.