Until we understand what a great life looks like to you we can’t and won’t – make a single financial recommendation. Yes, the financial piece matters, but it doesn’t exist alone. The money is there as a tool to support you and your family with the life you want to create.
Choosing the right Social Security strategy is critical. You likely have many questions as it relates to when you will claim, or even whaat benefits are available to you. We assist our clients in understanding the impact of the options they have available and help them make the right choice for their unique situations.
Sending your kids or loved ones to college is a big decision. Thankfully, there are many strategies that can be utilized depending on your unique situation. At Ignite Financial, we aid in establishing and implementing a suitable plan of action for you and your teenager.
If you hold investments, they will be taxed in various ways. We help optimize investment and withdrawal strategies to minimize the taxes you will pay throughout your pre-retirement and retirement years. You will be kept up-to-date on new tax polices and how they may, or may not, impact your tax situation.
If you have money in any of the following account types listed here, please reach out as we may be able to help you pay less in taxes.
Everyone has their own unique goals when it comes to investing. We are here to help you achieve those goals in the most stress-free environment possible. Here is a brief overview of our proven investment strategy:
There is a single factor that has been shown to be correlated with higher returns—low fees. A study conducted by Morningstar® concluded that the expense ratio, or annual cost, of a fund is the only dependable predictor of future performance.1
By dividing your investments across different asset classes (e.g. bonds, U.S. stocks, international stocks) rather than putting all your eggs in one basket, you can reduce risk by letting one part of your portfolio cushion the blow if another part goes down.
Markets consistently fluctuate as speculation and basic human psychology influence investor behavior. Despite this volatility, the overall market has produced a 10.2% gross average return in the last 89 years.
The primary goal of insurance is to mitigate risk and put some of your worries at ease. At Ignite Financial, we help determine which insurance policy best suites your unique situation. Moreover, we help determine if you are carrying a policy that you actually don’t need — this is where a lot money can be saved.
If you have an existing policy or policies, we take a look at all the relevant details. We make sure that the amount of coverage you have is appropriate, that you are maintaining the correct deductible, and more.
But many times you may be overinsured and not know it. For example, if you have a healthy emergency fund, you probably don’t need a $500 deductible on your auto policy. This means you are wasting valuable money on a product which could be better utilized elsewhere; such as investment products that earn interest.
Preparing your estate to transfer to your heirs can be cumbersome. That’s why we help you to determine how your assets will transfer in the most tax efficient way possible. That means we look at your entire portfolio, including investments, real estate, business interests, and more.
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BENCHMARK FINANCIAL, LLC (“BENCHMARK FINANCIAL”) is a registered investment advisor offering advisory services in the State[s] of IOWA and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training.The information on this site is not intended as tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This information should not be relied upon as the sole factor in an investment making decision.Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made will be profitable or equal any performance noted on this site.The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, BENCHMARK FINANCIAL, LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose. BENCHMARK FINANCIAL does not warrant that the information on this site will be free from error. Your use of the information is at your sole risk. Under no circumstances shall BENCHMARK FINANCIAL be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the information provided on this site, even if BENCHMARK FINANCIAL or a BENCHMARK FINANCIAL authorized representative has been advised of the possibility of such damages. Information contained on this site should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.
Copyright 2021
At Benchmark Financial, we aim to educate as much as advise. Here is our database of recommended books, videos, and terms to further educate yourself.
This option usually suits younger individuals that have just entered the work force.
Employer 401(k) Analysis
Employer Insurance Analysis
Student Loan Repayment
Housing & Car Purchases
Debt Management
Investment Strategies
Savings Strategies
Emergency Fund
Budgeting
This option is best suited for those who are in a mid-life stage, that have been working for roughly a decade.
Kids College Planning
Retirement Planning
Tax Strategies
Insurance Planning
Investment Managment
Emergency Savings
Vacation Home Buying
Charitable giving
Caring for aging parents
Rental Properties
Estate Planning
This option is for those who are reired, or close to retirement, and may have a more complex financial picture.
Retirement Planning
Social Security
Medicare
Estate/legacy planning
Insurance Planning
Budgeting
Debt management
Charitable giving
Investment Management
At Benchmark Financial, we aim to educate as much as advise. Here is our database of recommended books, videos, and terms to further educate yourself.
A project based financial plan is charge as a flat-dollar fee. This fee may vary depending on the complexity of your situation, and can be broken up into separate payments for your budgeting purposes.
One Time Fee
Wealth management allows for an ongoing relationship where we meet at regular intervals throughout the year and discuss relevant topics.
$0 - $500,000
0.85%
$500,001 - $1,000,000
0.75%
$1,000,001 - $2,000,000
0.65%
$2,000,001 - $5,000,000
0.45%
$5,000,001 - $10,000,000
0.35%*
$10,000,001 - $25,000,000
0.20%*
We dive into your needs, aspirations,
and financial situation.
We clarify your goals and financial data.
We assess whether the current course of action will achieve your goals.
We create and communicate your
financial plan and ongoing strategies.
We put your plan into action based on our professional recommendations.
We continue to track your plan and
make adjustments when life happens.
