Wealth Management

We will invest your money according to your goals, timeframe, risk tolerance, and income needs (if retired). We continually track and manage your portfolio making adjustments as needed.

Investment Management

We build fully customized portfolios based on each client’s unique needs using low cost, no-load, institutional level mutual funds and exchange-traded funds (ETFs). We only use investments that allow our clients to maintain full flexibility and liquidity of their money.

Retirement Planning

If you have not yet retired, we will help you determine where you stand today and how much money you will need to retire. Then we will build our recommendations and your portfolio based on those needs.

Retirement Income Planning

If you have already retired or are in the process of retiring, we will help you determine how much additional income you need in retirement to supplement your other income sources (i.e. social security, pension, etc.). Then we will build your portfolio to produce that income in the most efficient manner with regards to taxes and investments.

Tax Planning

Accountants help you prepare your taxes by looking at the past year, but very few look forward. At Forness Financial, we will advise you on how to minimize your future taxes. If you are retired, this service includes determining the most tax efficient manner to withdraw money from your qualified plans and how to lower the tax on your social security income.

Estate Planning

We will review your current estate plan if you have one. If needed, we are happy to recommend an estate attorney to prepare or update any estate documents.

Elder Care Planning

This process involves how to best protect your assets if you were to need elder care (i.e. nursing home). We can recommend an elder care attorney as needed.