Are you living the life you really want to live?
Would you like to make sure your financial house is in order, and keep it that way? Would you worry less if you knew how to make smart choices about money?
If you are like most people, you worry about your financial future. You may receive conflicting financial advice, feel overwhelmed by the amount of information available, or may sometimes distrust those who claim to know the answers. You’re wondering if you will achieve your goals and enjoy peace of mind.
You can enjoy financial peace of mind.
When you visualize financial independence, what do you see? More opportunities for travel? Working only part time? A new career or avocation? Volunteering for a cause you care deeply about? The picture in your mind is like the cover of your personal puzzle box and your finances are the puzzle pieces. With the right help, you can put them together successfully.
We can help.
What usually happens is that you go to a stockbroker for investment advice, an insurance agent to buy insurance, an accountant for tax preparation, and an attorney for estate planning. All can give you great advice about their area of expertise, but it's a bit like deciding what the puzzle is based on only one piece. Is it any wonder that the pieces then don't fit together?
We specialize in “Sandwich Generation” issues.
We understand retirement planning: it’s one of our greatest strengths. But for your retirement plan to work, you have to fit it in with the other financial demands you face. Your parents may be healthy now, but you wonder if they’ve set things up so you can help them if their health declines in the future. Or perhaps you’re already there, trying to navigate the health care system and coordinate their finances with government benefits, etc. You also may be wondering how to pay for your children’s education as well as your own retirement. If you’re not likely to get financial aid, you want to know how else you can get financial support. (You probably can!) We specialize in these situations.
We understand how to turn investment risk into investment reward.
Of course, risk and reward go hand in hand, but we are proud of how we help our wealth management clients spot the risky passages in the market ahead of time, as well as to earn good returns during the good times.
What else makes us different?
We focus on your goals and work with all areas of your financial life—tax preparation and planning, investment strategies, insurance, estate planning, retirement planning, budgeting, and more—to create a financial plan that changes as your circumstances change. Instead of just telling you what to do, we work together with you, providing you with easy-to-understand recommendations and helping you implement them every step of the way.
We are fee-only financial advisors. We sell no products and receive no commissions.
Instead, you pay us an annual fee for our objective, personal advice on how to achieve your financial goals. This annual retainer covers all the meetings necessary and allows you to contact us whenever you have questions or your life changes. Or if your needs are simpler, more specific, or more occasional, we can work with you on a per-project basis. Many people ‘try us out’ with a Northeast Passage Financial “Plan+Implement” project, which lays out a clear roadmap to financial peace of mind, and gets you started on implementation right away. Others with simpler needs may only need to start with a financial checkup, called a Financial Fitness Review. (Click here for our Services At-a-Glance.)
Would you like to learn more?
Our free workbook, Seven Secrets to Financial Independence, and accompanying article series will help you get started on the road to a worry-free financial future. You will uncover common misconceptions about money, you will learn you are far more in control of your financial future than the media has led you to believe, and you will be guided in taking simple steps to building the financial future you desire.
Would you like to start today?
Contact Northeast Passage to schedule a no-cost, no-obligation initial consultation. We’ll talk about your financial concerns and objectives and the solutions we provide. If there is a match, we can talk further about working together to help you take the worry out of your financial future and achieve the financial independence you desire.
Howard J. Cadwell, CFP®
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“Money has a purpose. Live the life you want to live.”