Services - Stellfox Financial

Our services

Financial planning

Retirement Planning

At Stellfox Financial, you will work with a team to help coordinate and implement estate planning strategies based on your individual goals and circumstances, including considerations for your intended beneficiaries.

An important aspect of estate planning is ensuring that beneficiary designations and insurance contracts are reviewed, as these may impact how assets are transferred and may operate independently of a will. We assist clients in reviewing these elements, along with broader planning considerations such as asset titling, tax-aware strategies, and continuity planning.

Our approach is designed to help clients organize their financial affairs and make informed decisions regarding the transfer of assets, while coordinating with their legal and tax professionals where appropriate.

Asset Management

At Stellfox Financial, we focus on helping our clients find investment solutions that help provide a disciplined, long-term investment approach.

We work with clients to develop investment strategies tailored to their individual goals, time horizon, and risk tolerance. Our approach incorporates risk management considerations, evaluates prevailing market conditions, and utilizes third-party investment managers where appropriate.

We focus on supporting long-term financial objectives, including retirement planning, tax-aware strategies, and multigenerational planning. Our process is designed to help clients make informed decisions and navigate both the accumulation and distribution phases of their financial lives. We provide clients with a structured planning framework to help guide progress toward their stated financial goals.

Annuity Reviews

Are you exploring options for retirement income or evaluating tax-advantaged ways to save for retirement?

We offer access to a range of annuity products that may be appropriate based on your individual goals, time horizon, and risk tolerance. Our financial professionals are available to provide information and help you evaluate your options within the context of your overall financial plan.

We can also review existing annuity holdings to assess features, costs, and suitability, and discuss alternative options where appropriate.

Tax Planning

Did you know that, depending on your income and filing status, a portion of Social Security benefits may be subject to federal income tax?

Through thoughtful tax planning, we work with clients to evaluate strategies for managing taxable income in retirement. This may include coordinating Social Security, pensions, and investment distributions in a way that aligns with each client’s overall financial plan.

We help clients explore planning strategies based on their individual circumstances, with the goal of improving tax efficiency and supporting long-term retirement objectives. In certain situations, tax rules may allow for the strategic use of losses; however, the applicability and outcomes of these strategies vary and should be evaluated carefully. Our approach focuses on helping clients make informed decisions within the current tax framework.

Estate & Legacy Planning

At Stellfox Financial, you will work with a team to help coordinate and implement estate planning strategies based on your individual goals and circumstances, including considerations for your intended beneficiaries.

An important aspect of estate planning is ensuring that beneficiary designations and insurance contracts are reviewed, as these may impact how assets are transferred and may operate independently of a will. We assist clients in reviewing these elements, along with broader planning considerations such as asset titling, tax-aware strategies, and continuity planning.

Our approach is designed to help clients organize their financial affairs and make informed decisions regarding the transfer of assets, while coordinating with their legal and tax professionals where appropriate.

Complimentary Resource

Client Information Workbook

This workbook will help you determine your profile and match it to an investment strategy. Click the button below to download your copy today.

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More services

Insurance Services

Life Insurance

Life insurance can play an important role in a broader financial plan by providing financial support to beneficiaries in the event of an unexpected loss. Coverage options should be evaluated based on your individual needs, time horizon, and overall financial objectives.

If you are considering cost-conscious coverage for a defined period, term life insurance may be one option to evaluate. Permanent life insurance policies may offer features such as lifetime coverage and, in some cases, cash value accumulation; however, features, costs, and guarantees vary by policy and insurer.

We help clients review available options and consider how life insurance may fit within their overall financial strategy

Health Insurance

No one plans to get sick or hurt, but most people need medical care at some point.

Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.

Disability Insurance

If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.

If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.

Long-Term Care

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.

This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.

Our process

Three Step Process

The introductions

In our first meeting, we'll get to know each other. We will talk about what your financial objectives are, and what it is that you'd like to accomplish with your financial plan. We will also share a little bit about our financial planning strategies and what we can do to help you achieve your goals.

Building your plan

In our next meeting, we will begin building your plan. We will cover Social Security, Pensions, 401k's, and Medicare, as well as your lifestyle and other factors that can affect your retirement income. We will also discuss how to protect your financial future from unexpected expenses and life events.

Proactive management

As life changes, so should your plans. We will meet with you on a regular basis to re-evaluate your financial plan and make adjustments as necessary. We will work hard to ensure that you are always on target to achieve all your financial goals and objectives.

Online Tool

Discover the Right Financial Strategy for You

Your investment strategy should reflect the kind of investor you are—your personal investor profile. This Free online tool will help you determine your profile and then match it to an investment strategy that’s designed for investors like you.

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