Your financial life is complex, and it only seems to get more complex. Our professional technology and personal guidance can help organize and focus, affording you the time to turn your attention to the aspects of life that bring you joy.
Taking the time to understand your values and needs, we help you design your future. We bring together clients and specialists to provide the planning, tools, and experience to help you reach your goals.
We monitor and adjust your plan with you as life and conditions change. Educating clients so they are confident making smart decisions in a variety of financial situations is a hallmark of our practice.
We are an ensemble of financial professionals working collaboratively to provide an effective and deeply satisfying experience for our clients. That experience includes a comfortable and clear conversational style, focus on education, and genuine interest in your comfort and care combined with our breadth of experience and creative planning strategies.
Comprehensive Wealth Management
Your life is complex; your finances don't need to be. We'll help you align your wealth with your life objectives.
Asset & Investment Management
Beyond 'buy and sell', a well managed portfolio can bend and bow without breaking.
Short, Mid, and Long Term
Your goals are what drive you, making sure your financial plan aligns with those goals drives your plan.
Certain account types require timely withdrawals. We can help you understand why, when, and how these distributions affects you.
Major Purchase Planning
Some goals have loftier price tags than others. Incorporating big ticket items like a house or property can help ensure your plan's success.
Life-Responsive Budgeting and Saving
Life happens. An unexpected change in plans shouldn't break your financial plan.
Taking a comprehensive view of your debt, or debts you may plan on taking on, we help find the best solutions for payoff and plan longevity.
Retirement and Post-Retirement Planning
We often see retirement as the goal - but what then? Income, activity, and inheritance are just some factors of post-retirement strategy.
Continuing Tax Planning
We regularly look for tax opportunities, factoring in considerations like income, charitable giving, purchasing time, and planned expenses.
Everyone has different comfortability with risk in regards to investments. Our job is to help educate you on the risk factors, and match you with products that suit your comfort.
Education Funding Strategy
College and secondary education are an investment of their own. Whether planning for yourself or your posterity, we can help lay plans.
Charitable Giving Strategy
Causes are close to the heart, and may even help your overall tax situation. We can help you find charities and investments that align with your values.
Life, Disability, and Health Insurance
We are happy to help with your employer or self managed insurances, as well as evaluating what insurance types are appropriate for your situation.
Property and Liability Protection
Ensuring proper coverage for your assets can be an integral portion of your financial plan.
Long Term Care Strategy
Part of post-retirement planning is planning how you're taken care of in retirement. Long term care considerations are incorporated into your plan.
What happens when we aren't around to hold our wealth any longer? Our network specialists work with you and your advisor to devise this plan.
Our Personal Financial Advisors, having developed vibrant, independent financial practices spanning decades, decided their clients would benefit from combining and leveraging the strengths each brings to the table. In 2008 they came together as Full Circle Financial. Their unique approach to serving clients has attracted other like-minded professionals to the group over the years, which has grown to include a network of multi-disciplinary specialists including investment strategists, insurance, estate planning and retirement planning professionals in offices across the Midwest serving clients in nearly every state.
How are you being supported?
Our clients set the agenda and scope of services provided
No national investment firm or bank budget and bottom line to support
No sales agenda or proprietary products we're required to sell
No limited menu of products to stretch into the resemblance of comprehensive solutions to your needs.
Our independence from rigorous product advertisers and bank objectives allows us to make recommendations consistent with reaching the most important objectives--yours
With access to a vast array of products and services available in the marketplace, both traditional and alternative, we are able to match your needs to appropriate solutions, selecting the best fit and value without compromise
Our goal is to provide you with ongoing personal service, regular check-ups, resources for continued growth and education, and answers to the financial questions and needs that arise as you move through life.
Complimentary Initial Consultation
A trusting client-advisor relationship is the foundation of a strong financial plan. Your first meeting with us is complimentary, and lets us determine mutual fit, and the scope of services necessary to complete your objectives.
Once we have gathered your important financial documents and uploaded them to your secure client vault, we'll meet on the phone, in person, or online to gather your information with our Confidential Client Questionnaire.
Analysis and Recommendations Delivery
After case analysis and collaboration with specialists, your advisor will present a plan that aligns with your goals, risk tolerance, and values. If there are any changes, these will be added to your plan and may be finalized with another meeting.
We'll get the wheels in motion. Agreed on strategies are administered, and we will together decide on a review meeting schedule that makes sense for your life and your financial plan. When a life event or just life happens, your advisor is just a phone call away.
Regular Ongoing Access to Your Advisor
Continued access to your advisor, client service team, and personal financial website are highlights of the Full Circle experience. When factors come up that affect your life and goals, you can always reach out to your advisor and their team for help and guidance, we are at your beck and call.
After we have developed an analysis of your current situation, and together made a plan, our work is not finished. Offering ongoing unlimited support to our clients, we like to say we are at your beck and call. Regularly scheduled review meetings will be offered at a frequency you determine, but between meetings you should rely on us to help with connections to other professionals, aspects of your life that affect or change your financial plan, and anything else we can be of help with.
We are committed to you and to those you care about. Should a friend or family member of a client find themselves in a situation they could use financial advice on, we provide consultative appointments to review and provide direction to your friend or family member at no cost. If they are important to you, they are important to us.
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A complimentary initial consultation is always available to new potential clients
Fair compensation for services offered is of course extremely important to both the advisor and the client. Because each client's needs are different, and the complexity of each situation will vary, we offer great flexibility in our schedule of services and our fee schedule.
Flat Financial Planning Costs are based on your net worth. We don't require that you have assets managed on our programs, but if you do, future financial planning fees are offset. Every 12 months costs are recalculated, discussed, and agreed upon so we are always on the same page and transparency is maintained. It's important to us that you are able to judge the value we are bringing to your life against the cost.
Whether you are already a client or looking for information about us, we invite you to schedule a convenient time to talk with us. A complimentary initial consultation is always available to new potential clients. Scheduling options for each advisor are displayed underneath their profile, however if you'd prefer to schedule an appointment over the phone, feel free to call 1.800.323.9171, and our friendly staff will be happy to help you.