Advice you can trust........Advice that is clear and concise.......Advice that simplifies your life.
Financial Planning is the process of identifying all your financial goals and determining what steps are necessary to achieve these goals.
Marie DeCaprio is a financial planner committed to your financial well being and understands that dealing with all of life's financial decisions can be daunting. She provides honest, objective advice with only your best interests in mind since she accepts no other remuneration or compensation except what comes directly from the client in an agreed upon fee. She only works for the client as a fiduciary.
- Have you made the right investment choices for your 401k, 403b or IRA?
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Stocks, bonds, funds, ETFs......which ones are right for your situation. There are so many choices! MCD Advisors will help you make sense of all the choices and allow you to decide what is best for you based on your goals and how much investment risk you are willing to take.
- Are you comfortable rolling over your old 401k?
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When you leave a job, you can take your retirement plan with you. You can either open an IRA (this process is called a roll over) or you may be able to add the money from the old plan to your new employer's plan (if it is allowed by the plan). Either way, this helps keep you keep track of your assets. MCD Advisors will take you step by step through the process of consolidating and organizing all your financial accounts.
- How much should you be saving for college?
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Saving for college may require saving more than you can afford to. It also may conflict with other goals like saving for retirement. MCD Advisors will help you figure out how much you can comfortably afford to save for college and will guide you through figuring out how to pay for college.
- Are you saving enough for retirement?
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The process of retirement planning rests on one single thing: what does retirement look like for you? MCD Advisors can provide you with an idea of what you can expect in retirement given your spending habits, your savings and how much your future savings will be.
- Will you have enough money to retire?
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Having enough money to retire really depends on how much you plan on spending in retirement. MCD Advisors can help you construct an expected budget for retirement and compare that to savings and income to determine when you can expect to retire.
- Do you know how to invest an inheritance?
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Receiving an inheritance or any lump sum of money can be a source of anxiety for so many reasons. MCD Advisors works with you to determine what your goals are for the money and what you can reasonably expect to achieve with your new found wealth.
- Should you be gifting some of your assets to reduce your estate?
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Gifting is a great estate planning tool. MCD Advisors can help you figure out if it makes sense to be gifting and what strategies would be most beneficial to you in your specific situation. We will also assist you in finding a legal advisor that is right for you.
- What is the best way to pay off debts?
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Dealing with debt can either be very straightforward or very complicated depending on what resources are available. MCD Advisors will evaluate all the options for you.
- Do you need to develop and stick to a budget?
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No one likes to budget but this is an important part of the financial planning process. In this analysis, we figure out what all our resources are (our income and assets that earn income) and how to best utilize these assets. If we don't know where all our money is going, how can we ever make new choices about how we want our money to be working for us?
- Do you have enough insurance?
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As part of the comprehensive financial planning process, MCD Advisors looks to see where there is risk to your financial future, Insurance is a way to minimize or eliminate those risks. We will assist you in finding the right licensed insurance professional to help with your situation.
