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Thoughtful Preparation Often Takes a Backseat to Life, We’re Here to Help…

Over the years there is one comment we've heard more often than any other “Sorry, but I just don’t have the money right now” which fails to realize one thing, that it is never about the size of your wallet.

It is about the desire to create a better tomorrow and maintaining the discipline to follow through. Because no matter how small your financial commitment may seem there is one thing for sure... that over the long term those well placed dollars will benefit you more than having done nothing at all.

Financial savvy can take a while but the basics are fairly simple and rarely change. How you manage, spend and invest your money can have a profound impact on your life yet few schools teach these important skills. And, individuals who embark on their own self-directed journey often get overwhelmed by books, software and seminars with limited perspective.

We provide a better way forward by creating a collaborative purpose-based approach…

Generally speaking personal finance rules don't change. What changes is the influence life events have on your personal situations. In other words, what your parents and grandparents did may not be enough for you. Their rules were simple... spending less than you earn will always be beneficial, having a consistent savings plan is a good start, and preparing for a long-term financial need is a necessary function of life.

You probably heard these truths growing up but without being taught basic money management. Things like creating a spending plan, investing and asset allocation, tax planning or using insurance to protect future cash flows are foreign concepts for most. Also, your finances are just as much about the habits and values you choose to live by or to put it another way, your mindset matters just as much as the math.

When creating a client-centric plan we seek to improve financial security beyond performance. Just as one gear needs another to work efficiently we feel financial decisions generally require inputs from and coordination with other considerations.

In addition to our Tax and Accounting expertise Abacus is a branch office of SA Stone Wealth Management. You may collaborate with a licensed and experienced investment or insurance professional compliant with the industry's "Best Interest" of the client standard. All securities and insurance products are offered through SA Stone Wealth Management, serving clients for over 100 years.

We all experience the constant pressures of family, career, community responsibilities and personal enrichment. In a world of constant economic, political and social change consumers engage the guidance of financial professionals to achieve security and independence. Since 1993 we've been committed to the overall benefit of a purpose-based approach and work to promote public understanding on the value of engaging a professional.

We can help prepare wisely in the following ways…

*Accumulation Strategies
*Maximizing After-Tax Returns
*Post-Retirement Income Planning
*Insurance Needs (Pre and Post-Retirement)

Our recommendations are tailored to each individual and begin with an initial consultation. Our collaborative process continues as we build, work toward and monitor a customized program which helps navigate both short and long term financial events.

** Service Disclosure**
All recommendations assume your willingness to make the non-investment and/or investment commitments required. Pursuing a goals-based strategy is considered a year round activity, which means it should be based on updated data and assumptions after various life events have occurred. However, due to the dynamic nature of our economic, investment, insurance, and tax environments, no guarantees or assurances can be given.