It’s no secret the markets have been a bit chaotic lately, hitting both record highs and record lows. However, whether we see the markets become more steady or become increasingly erratic, it’s imperative that you remember these two important things: First, markets can shift quickly. For this reason, it’s essential that you have safeguards in place to help protect your savings from the inevitable future downturns as they come. And second, reviewing your strategy as you near retirement is absolutely necessary in order to ensure your financial plan is in line with your retirement goals.
If you or someone you know has not recently followed through on these two key steps above, a financial review could be the difference between success and great disappointment. Are you all set? Does anyone come to mind that may be in need of reviewing and securing these or other vital aspects of their financial future? Friends don’t let friends wind up in their golden years unprepared.
A Check-Up For Your Finances
Just as you set an annual physical exam with your doctor in order to make sure your health is at its best, the same principle is true to be sure your finances are in optimal shape. And, just like your doctor, we are able to best serve you when we routinely gather all the necessary information and follow up as needed. We use our unique HBA Wealth Cycle - a process that delivers active financial planning and investment management throughout your life, to create your financial plan.
As time goes on, we periodically follow up to answer any questions you may have and review your plan. Every time we meet we take the time to catch up with you and discuss your unique needs and desires. We have seen time and time again that as we continue to establish a relationship and remain clear on your values, your decisions become much easier.
The Benefits Of A Financial Check-Up
As life progresses many changes take place. Therefore, periodically reassessing your goals and plans is vital. Once we have a complete understanding of your current goals and financial situation, a check-up allows us to work together with you to evaluate and adjust where needed. If everything seems to continue to be well suited to your long-term goals, despite fluctuations in the market and personal life changes, we’ll gladly affirm that your plan is adequate as is and our review will be complete.
If on the other hand, we discover gaps in your plan and it no longer aligns with your financial goals then we will use this time together to fill in those gaps and discuss any unprotected risks in order to secure and fortify your financial future.
As we always say “You don't have to be an expert at financial planning or investing, you just have to know who to ask”. In every check-up it is our goal to give you unbiased answers and simple explanations without all the complicated jargon. We want you to leave our office feeling not only confident in your plan but also well informed in the decisions you have made.
It never hurts to have a professional take a second look at your financial plan, even if simply to confirm that it is fully protected, still applicable to all aspects of your life, and designed to work towards your long-term dreams. Whether our appointment is in-depth and complex or short and sweet, we hope you will leave having full trust and confidence in us, in your decisions, and in your financial plan.
Do You Know Someone Who Needs This?
We’re proud to say that many of our clients are referrals other clients have made. There is no higher compliment than you letting others know about your exceptional experiences with Haydel, Biel & Associates (HBA Wealth) and entrusting to us the people that matter most to you. Over the years, we’ve built tried and true long-term relationships with our clients, who not only trust us with their money but also trust us with their family and friends.
Here at HBA Wealth, we go beyond the bank account. We don’t just talk about your goals and suggest investments; we aim to fully understand your ‘why’ behind it. By working together to uncover your true motivations, we can create a financial plan that will be easy for you to stick to, moving you closer to your long-term dreams. We have the expertise to manage your money wisely and the passion to help you accomplish your dreams.
If you know someone who would benefit from a financial review, don’t hesitate to tell them about us today! Send them our way and let us help them evaluate where they are now, determine where they would truly like to end up, and address any gaps that may be present. Also, feel free to book an appointment for yourself as well if you think you may be due for a little brushing up. Contact Ricky Biel at (626) 529-8347 or email him directly at firstname.lastname@example.org today.
About Haydel, Biel & Associates
Haydel, Biel & Associates is an independent financial advisory firm serving individuals and families near Pasadena, California. The firm was founded in 2004 by Chris Haydel and Ricky Biel with a desire to provide unbiased, client-centered, community-based financial advice. Together, they have built a practice that has grown into a family of caring, smart professionals committed to blending proven investment methodologies with creative financial technologies that make it easier than ever to accomplish your goals. They strive to keep things simple and fun to give their clients peace of mind and alleviate financial stress. HBA Wealth takes care of their clients’ needs first and foremost and goes the extra mile to make their clients’ finances grow. To meet and see how the HBA Wealth team may be able to help, contact them today at (626) 529-8347 or email Ricky directly at email@example.com.