The biggest advantage of engaging in financial planning is that you can feel confident with a plan in place. We help you create a strategy that will put you in a competitive position to pursue financial success. Building wealth or saving for retirement can happen if you take the first step by working with a financial planner. 

Financial planning allows you to get a better idea of what your finances look like, too. For example, our team can help you figure out how much money you need to retire, how much you need to contribute to your investment accounts to reach your goals, and how long it will take until you can enjoy a confident retirement lifestyle.

Richard Cella III and his team review your financial situation and your objectives to help better serve you. Your financial plan is likely to change over the years. We keep in touch with you about your situation and your goals over a long period, helping to make sure we’re helping you build the financial future you envision for yourself and your family.

Why Do I Need a Financial Plan?
The main reason for having a financial plan is the ability to know exactly what your finances are doing, how and when you’re meeting your goals, and what you can do to improve your situation. Our financial plan considers every aspect of your finances, working toward preserving your wealth, helping to reduce your tax burden, and helping you work toward a confident future. 

Do I Need a Financial Planner?
When you work with our LPL Financial Planners, you benefit from having a qualified professional at your side. Finances are complex and difficult to understand, especially once you add taxes and insurance into the mix. Having a financial planner provides you with holistic, comprehensive financial planning services, which include many facets of your finances.

Is My Will Part of My Financial Plan?
Financial planning can and should include an estate plan. Your estate plan might include a will or a trust. Either way, you want a written directive that spells out what happens to your assets. Lots of people make the mistake of waiting to draw up a will because they don’t enjoy thinking about their death. It’s much harder on your family if you die without a will, which is why we recommend adding one to your financial plan. 

Is It Too Late for Me to Have a Financial Plan?
It’s not too late to make a financial plan, but it’s definitely time if you don’t have one. Our LPL Financial Planners can help you create a plan that works for you and includes everything you need to make sure your assets are preserved and your family is provided for. If your plan is outdated, we also recommend talking to our professionals to update it.

Ipswich Bay Advisors, Naples Bay Wealth Management  and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

If you haven’t created a financial plan yet, it’s time to work on yours now. We’re here to help you with the process. Your financial plan is your stepping stone to financial independence. Contact our team to schedule an appointment to discuss your financial needs.