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Business Employee Benefits

When is the last time you had your employee retirement and insurance benefits quoted out? Are you receiving the attention that you and your employees deserve? Are your employees taking time away from your HR department asking them questions that your representative should be answering? At Shard Financial we differentiate ourselves by not only the ease at which we implement our plans, but also the monitoring we do afterwards. We pride ourselves on our customer service and make sure that you and your employees have access to us for any questions that arise. As an additional service to your employees, we offer free complete financial plans to those who wish to access our knowledge. For a no pressure, no obligation consultation, call us today!

Buyouts

Before you make a decision about whether to take your companies buyout offer, you need to know all the details! Some buyouts offer fantastic opportunities for individuals to retire or leave their current employer, however, some buyouts can be detrimental to an individual's financial future. Did you know that individuals that have taken buyouts have found out later that by accepting a buyout that they waived their rights to their pension and ERISA rights? Don't let this happen to you! Consult Shard Financial and find out what your best option is!

Retirement

How do you get there? How do you know if you can retire? What are the options you have to pull retirement money out of your accounts without penalties if you are younger than 59 1/2? What are the tax consequences of not taking Required Minimum Distributions (RMD's) from your retirement accounts? How much do you have to pull for your RMD's? In order to live the best retirement possible, consult Shard Financial BEFORE you retire to help you grow your money and also to advise you on strategies to make your money last! If you are currently retired, consult Shard Financial to see if the current strategy you are using is still valid for your situation!

Rollovers

What are your options when you leave your job? Whether it be due to a layoff, a job change of your choice, a company merger/acquisition, or retirement, you have the right to know your options! Don't make tax mistakes that are costly - consult Shard Financial and educate yourself on what is best for your individual situation.

Estate Planning

At Shard Financial, we have teamed up with local professionals to provide the answers to your personal estate planning issues. Whether you are looking to provide care for your dependents or have complicated tax issues, by working with professionals who are experts in their industry, we can create your individual plan.

Life Insurance

Have you had any life changing events life marriage, divorce, children or inheritances? When is the last time you had your insurance reviewed? Whether you have a permanent whole life, universal or variable universal life product, or a term product that has an expiration date, we are able to review your coverage and tell you if it still fits your needs or if you need to make adjustments.

Financial Planning

When is the last time you looked at your total financial picture? Proper financial planning will create a plan that is base don your budget, debt to asset ration, insurance needs, and investment strategies. No two individuals are alike, and no two financial plans should be alike. We consider your individual goals and entire financial situation to create a financial plan that you can live with. If you don't have a plan, how do you know where you're going?