We are here to help simplify all that complexity and to provide you with a strategic life plan by integrating all facets of your financial and personal life into a comprehensive and unique plan. Our planning process has the rigor and comprehensiveness you would expect when trusting a firm with your personal and financial well-being. Our focus is on your needs, providing innovative solutions, and allowing you to make empowered decisions regarding your wealth and your strategic life plan. For some, a pressing need might take priority and we can start there on your journey to your plan. Nothing satisfies us more than our empowering our clients and growing with them.
For a couple, both age 65, there is a 50% chance one lives to at least 92.1
The average couple retiring today at age 65 will need $260,000 to cover medical costs in retirement.2
For a couple turning age 65, there is a 75% chance that one of them will require long-term care.3
20% of retirees are currently providing financial support to a relative or friend.4
Regardless of your plan’s complexity, there are six fundamental steps to take in order to achieve your goals and objectives. These steps set the foundation for our long-term partnership in which the initial planning is only the beginning. Understanding who you are and where you want to go is our first priority. As your guide along your journey, we will help you alter the course as necessary, due to changes in the world, major life events, and any other changes that you may encounter. Our goal is to help you simplify your plan, bring clarity, and empower your decision making.
Working with You
Working as part of your planning team with your other advisors, we often become the central contact for our clients. Most clients prefer having one point of contact for all their planning issues and coordination of their strategic life plan. Working with your other professional advisors allows us to best coordinate strategy and the implementation of your financial plan.
What does your ideal retirement look like?
How do you balance paying for higher education and saving for your retirement?
Can your assets and resources support your ideal retirement?
What is your required rate of return to achieve your goals?
Are you taking on more risk in your portfolio than you need to ?
How will the next market correction affect your investments?
What would be the impact on your family in the event of the death of you or your spouse?
How would you and your family be impacted if one of you lost the ability to earn an income for an extended period?
Do you have a plan to minimize the emotional and financial stress of a long-term care event?
Your Retirement Income
Do you have an income plan you won’t outlive?
What is the best Social Security strategy for your plan?
What is the maximum sustainable income that your retirement plan will support?
What role will taxes and healthcare costs play in your retirement planning?
What is your desired impact on your family and community?
Are your assets being distributed according to your wishes?
What will be the cost to your family of settling your estate?
All of our relationships start with a meeting in which we get to know one another. There is no cost or obligation with many clients having plans in place and looking for a free second opinion. Please don’t hesitate in contacting us at 203.335.0851 and we will be happy to assist you in any way we can.
Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through GFS Wealth Management Advisors, Inc. (GFS). Kestra IS is not affiliated with GFS or Ganim Financial. Ganim Financial, GFS and Kestra IS, do not offer tax or legal advice. Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax and legal counsel.
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There are no warranties implied. GFS Wealth Management Advisors, Inc. (“GFS”) is a registered investment adviser located in Bridgeport, CT. GFS may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. GFS’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of GFS’s web site on the Internet should not be construed by any consumer and/or prospective client as GFS’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by GFS with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of GFS, please contact the state securities regulators for those states in which GFS maintains a registration filing. A copy of GFS’s current written disclosure statement discussing GFS’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from GFS upon written request. GFS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to GFS’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
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