Our Services

Financial Planning

At Affiance Financial, we take a broad approach to financial planning. We help identify your priorities and define your goals. Retirement. Health care. Education. Housing. Career. There are so many decisions that affect your finances—and your quality of life. We can help you think them through and present options you might not think of on your own. And, we can help you make decisions that are right for you.

In addition to our goal-oriented planning, we offer several areas of specialized financial planning, including:

  • Tax Planning — helping ensure your portfolio looks beyond what you earn to what you keep after taxes.
  • Retirement Planning — providing guidance for navigating the often complicated world of social security, medicare, pensions, IRAs, and 401(k)s.
  • College Planning — helping you prepare for the ever-growing expense of a secondary education.
  • Business Planning — coordinating your business decisions with your personal finance decisions, helping you choose the right employee benefits, addressing your insurance concerns, and setting up retirement plans.
  • Charitable Giving — concentrating your charitable activities and selecting the best forms of contribution to maximize the impact and the tax benefit.


Investment Planning

Our investment planning service provides a disciplined strategy to help you work toward achieving your goals. Our investment process seeks to eliminate the often negative impact of making investment decisions based on headlines, emotions, and biases. We offer tax-aware portfolios aligned to investment objectives ranging from conservative to aggressive. We take diligent care to create portfolios that are sensitive to fees and offer down-side protection. Our investment committee regularly evaluates our portfolios and watches for economic or market shifts that require action.


Risk Management Planning

Thorough planning can help protect you from the unexpected. Insurance is a financial safety net. We can’t replace a loved one who has died or repair skills lost to a disease. But, we can help reduce the financial impact of these events. We offer life, disability, long-term care, and critical illness policies and can design an insurance portfolio customized to your needs. And when the time comes, we can help you or your loved ones process any necessary claims. We’re with you, every step of the way.


Estate & Legacy Planning

Once you are confident about meeting your lifetime financial goals, it’s time to start thinking about your legacy. We can help you define your estate and legacy desires and create a plan to ensure they are carried out. This includes maintaining an inventory of your beneficiaries, creating tax-efficient strategies to minimize estate shrinkage, facilitating family meetings to communicate your plan, coordinating with an attorney to complete the necessary legal work, and assisting with the administration of your estate upon your death. In short, we can help you leave a legacy for your family and community that is truly meaningful.


Corporate Retirement Plans

In addition to our personal financial planning services, we offer businesses help selecting, setting up, and monitoring employee retirement plans. From 401(k)s to nonqualified deferred compensation plans, we help you choose a plan that makes sense for you and your employees. We offer assistance with asset allocation based on your employees’ individual savings goals. And we provide ongoing monitoring and updating as needed, to ensure that the plan continues to suit your needs.


Please Note: The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement and the needs of the client. Affiance Financial does not serve as an attorney or accountant. Affiance Financial does not prepare estate planning documents or tax returns.