True financial planning is more than just investment advice.
Blue Clover Financial LLC helps working families plan for their children’s education, allows them to pursue
their retirement goals, while identifying and implementing strategies to help ensure all aspects of your financial life are integrated with one another.
True financial planning is more than just investment advice. Often the most value brought to a client’s financial situation has little to do with investments. Advice related to taxes, insurance and estate planning strategies can deliver significant value.
Life is busy and this often leads to the neglect of important things like your personal finances. What we do is not overly complicated and most educated people could do it for themselves if given the time. By outsourcing to professionals, like Blue Clover Financial, you no longer have to spend the time making sure you are considering and implementing everything that you should for your own financial situation.
Reducing Interest Paid, Taxes & Fees
Most people do not mind paying interest, taxes or fees; however, they want to be sure they are not paying more than they should. We help ensure this by helping identify and negotiate investment costs, interest rates and insurance premiums, and developing an overall tax-efficient game plan.
Organization and Simplification
It is hard to make good decisions if you do not have the information at hand to do so. By consolidating unnecessary accounts, scanning old records electronically for future reference and organizing the remaining information in an easy-to-understand file structure, we make it easier for clients to make good decisions.
Risk versus Reward
We charge fees that are reasonable so that we are not biased toward risky investments to justify our fees. By providing a comprehensive service that includes tax and debt strategy, we often find ways to achieve returns that have nothing to do with investing. We use the term conservative creativity to describe how this comprehensive approach can generate returns without additional risk.
Confidence comes from knowing you are doing the best you can. This means having
a process that keeps you on track to help achieve your goals. We facilitate this process by developing the initial game plan, meeting regularly to track progress and making adjustments along the way.
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