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Financial Planning

“If you don’t know where you are going, you might wind up someplace else”

                                                                                                         – Yogi Berra

One of the most important roles of a Financial Advisor is to act as a problem solver in meeting a client’s financial needs. When a Financial Advisor works with a potential client the first meeting is usually a get-acquainted and data gathering time which includes an assessment of the client’s financial dreams, goals, and personal feelings toward a number of important issues.

John Ferguson is both a problem solver and friend to his clients. Faced with a client’s financial needs, he is the knowledgeable person who can recommend a way to meet those needs and reach financial goals. Whether it is creating funding for a college education for the children, to working with an IRA or Retirement Plan, or Estate Planning he is the “go to” person for his clients. Some of the areas he covers in Financial Planning include the following:

Planning for Retirement –

Simply put, retirement planning is preparing for life after paid work ends. This includes ones finances but can include lifestyle choices such as where to live and when to completely stop working. At Ferguson Private Wealth Management we work to make sure that retirement planning is taken care of ahead of time to relieve the burden of stress from our clients.

Tax Planning -

Tax Planning is the process of forecasting one's tax liability and formulating ways to reduce it. We work to help our clients as well as their accountants to arrange their affairs in ways that might postpone or even avoid taxes. By employing effective tax strategies our clients will have more money to save or invest.

Planning for Your Children’s College Education

With today’s rising education costs, it’s smart to set up a forward thinking plan. When it comes to saving for college, the earlier the better! At Ferguson Private Wealth Management we can help you prepare for one of life’s biggest and most important investments.

Estate Planning –

Estate Planning is the process of making a plan in advance and naming whom you would like to receive your assets once you die. We are certainly not Estate Planning Attorneys and do not offer legal advice, but we work closely with attorneys to assist you in the best planning for your future. Unfortunately, you can’t plan how long you will live, and accidents happen every day. Let us help you get your estate in order so that you are prepared for the unexpected!

Profit Sharing Plans:

Profit Sharing includes different incentive plans which are introduced by businesses that provide direct or indirect payments to employees in preparation for retirement or as incentive to remain an employee of the company. This depends upon the company's profitability in addition to employees' regular salary and bonuses. Profit Sharing can be a powerful tool in promoting financial security in retirement. Let us help you get started today!