Services

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Macro Advisors, Inc. offers a variety of financial planning services including:

Net worth and cash flow planning.

Net worth and cash flow are the two basic resources that determine your ability to achieve your objectives. Cash flow provides you with the capability to fund your objectives over time, such as savings for retirement or how much you can afford to set aside for your heirs.

Assessing net worth.

How assets are held, their liquidity and their rate of return allows your Financial Advisor to understand how quickly your assets are growing and whether they are working for you.

Protection planning.

Your Financial Advisor will examine your current life insurance death benefits, disability benefits, plus any long-term care insurance that you have in place. Many people view insurance as a costly item, but protection planning is the cornerstone to any solid financial plan. Insurance is important in the event of premature death or disability, and it can also be used to improve tax efficiency.

Investment planning.

Your Financial Advisor will explore your thoughts and feelings about risk, your investment time horizons, and your current investment positions. In many cases, client investments do not match up with their true risk tolerance. Asset allocation is the key to a workable investment plan. That means determining the mix of stocks, bonds, money market funds, or other investment that are most appropriate in your situation.

Retirement planning.

Most people have a date in mind when they want to retire, although they may not have made detailed plans. The day you retire, you pick up an additional 2,000 hours per year. Crystallizing what you are going to be doing and budgeting appropriately today will go a long way to ensuring success tomorrow.

Estate planning.

Over half of the people who die in the United States do so without having executed a will. Dying without planning properly can be a costly event for your family and heirs. Your Financial Advisor will provide sound guidance on an estate plan that expresses your wishes and maximizes the amount of money you wish to leave to your heirs.

 

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The Financial Planning Process

Macro Advisors, Inc. has created steps that will help anyone with their financial process in any situation by assessing your current financial situation. Your Macro Advisors, Inc. Financial Advisor will gather all the legal and financial documents that provide the current factual summary of your assets, liabilities, and cash flow.

Examining your wants and future goals.

Your Macro Advisors, Inc. Financial Advisor will spend the necessary time to clarify what you are trying to accomplish in your current and future financial planning goals. This discussion will help to crystallize your needs with regard to retirement, education funding, financial protection, transfer of wealth to family members, and other issues.

Identifying opportunities and potential solutions.

Your Macro Advisors, Inc. Financial Advisor will spend the necessary time to clarify what you are trying to accomplish in your current and future financial planning goals. This discussion will help to crystallize your needs with regard to retirement, education funding, financial protection, transfer of wealth to family members, and other issues.

Creating an action plan for reaching your goals.

Your Macro Advisors, Inc. Financial Advisor will recommend specific changes or action steps to better align your resources with your objectives. These steps will include revisions to your savings habits, credit profiles, investment assets, insurance protection and creation of an estate plan.

Implementing your plan.

To accomplish your plan, the Macro Advisors, Inc. Financial Advisor will help put you in contact with the team of planning specialists who can act upon the various components of the strategies identified. Organizing this network of financial advisors and professionals is key to making the plan a reality along with reviewing and modifying your plan as needed. Your financial circumstances and objectives may change over time. That is why you should annually meet with your Macro Advisors, Inc. Financial Advisor to review the progress with your plan and to make adjustments as necessary.