Wealth Management Since 1971

How It Works

Building the Life You Want

Our Approach

Financial product information and planning ideas abound… each claiming to be the best.  But despite the volume of information out there, most people never achieve all their financial goals.

What’s missing?  Vision and accountability.

More than Numbers

It’s not about achieving a certain ‘number’.  It’s about building the life you want.

At Linscomb & Williams, we view financial planning as a process, not a one-time event.  Everything we do supports you in achieving your goals.

We become your coach, mentor, and partner in keeping you on track to reach your goals and achieve the results you desire.

How It Works

At Linscomb & Williams, our financial planning goes deeper than most.  It’s also an ongoing, active process to make sure you actually follow through on your plan and achieve your goals.

Here’s what to expect:

  1. Fact Finding. We will interview you, asking questions to get a sense of where you are and where you want to go.  We want to understand the goals you envision, as well as your responsibilities, constraints, and preferences.
  2. Plan Analysis and Development. We’ll take the information we’ve gathered and develop a client-centered financial plan so you can reach your goals.  This will include looking at your income, expenses, assets, liabilities, retirement plans, income taxes, insurance, estate planning goals, and many other aspects of your financial life.  We may identify areas that need work first in order to achieve your goals.
  3. Risk and Asset Analysis. We’ll then work with you to identify and analyze areas of risk.  We will determine the mix of asset classes that are a good fit for your goals, time horizon and comfort level.  Our review considers all your assets, whether we will help you manage them or not (assets such as business interests, real estate, and other holdings).  Our goal is to make sure you are as prudently diversified as practically possible.
  4. Investment Planning. Once we agree upon an appropriate asset allocation strategy, we will make recommendations on the types of investments which will best meet your needs.  This will include the input of our Investment Committee.
  5. Focused Efforts. Over time, we’ll work with you on specific areas where you need guidance and help:  retirement planning, income tax strategies, estate planning strategies, asset protection, insurance planning, college funding, elder care, health care planning, and others.  Our experts will jump in as needed to help make sure you get the best advice possible.
  6. Check-Ins. Once established, we’ll check in periodically on your open action items.  We’ll discuss your progress and provide any extra support when needed.  Also, when the financial markets become volatile, we are prepared to help you understand the reasons behind the instability, and whether changes are appropriate.
  7. Contact Us. As changes occur in your life which affect your finances, we invite you to call upon us for advice.  We’ll work together to fine-tune and renew your financial plan over time to adjust for these changes.

What’s covered in the Linscomb & Williams Financial Planning?

 

  • Income/Cash Flow Planning
  • Employee Benefits
  • Social Security Review
  • Risk Tolerance and Risk Management Analysis
  • Investments and Asset Allocation
  • Financial Independence/Retirement Planning
  • Insurance Review
  • Asset Protection
  • Estate Planning
  • Income Tax Strategies
  • Wealth Accumulation or Preservation
  • Education Funding
  • Business Continuation or Disposition
  • Gift and Charitable Planning

At Linscomb & Williams, we view financial planning as a process, not a one-time event.  Everything we do supports you in achieving your goals.

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