Broker Check

Products & Services

At Financial Concepts Unlimited, LLC., we provide a wide range of sophisticated financial planning concepts, techniques, tools and expertise, all aimed at achieving your dreams, objectives and goals. These include, but are not limited to:

Services

  • Goal Planning
  • Estate Planning
  • Retirement Planning*
  • Life Insurance Analysis
  • College Planning*
  • Long Term Disability
  • Long Term Care
  • Business Planning
  • Business Owner & Executive Supplemental Retirement Plans*
  • Employee Benefits
  • Retirement Rollover and Distribution Planning*

Tools (*Offered Through National Planning Corporation)

  • Common Stocks*
  • Preferred Stocks*
  • Government Bonds*
  • Corporate Bonds*
  • Municipal Bonds*
  • Money Market Funds*
  • Equity Mutual Funds*
  • Bond Mutual Funds*
  • Real Estate Investment Trusts (REIT’)*
  • Tax Deferred Variable Annuities*
  • Tax Deferred Guaranteed Annuities
  • Tax Advantaged Immediate Annuities
  • Tax Advantaged Variable Immediate Annuities*
  • Whole Life Insurance
  • Term Life Insurance
  • Variable Life Insurance*
  • Universal Life Insurance
  • Long Term Care Insurance
  • Disability Insurance
  • Portfolio Management*
  • Tax Advantaged Investment Planning*
  • 529 Plans*

Just a few of the Concepts, Techniques and Strategies:

  • IRA’s*
  • ROTH IRA’s*
  • Educational IRA’s*
  • Split Annuity Concepts
  • Dollar Cost Averaging
  • Portfolio Rebalancing
  • Asset Allocation
  • Buy/Sell Agreements

Portfolio Management 

Portfolio management is more than simply the purchasing of investment vehicles. It is helping to build wealth while protecting principal. It is taking advantage of appropriate balances between stocks and bonds and other asset categories. It is determining the correct allocation between the “value” and “growth” styles of investing, and the consistent monitoring of these balances and allocations, as well as the monitoring of the individual investment vehicles used. It is the careful selection of assets through a set of proven criteria. Portfolio management involves matching these balances in correct proportions to a client’s comfort levels and needs on an on-going basis, and making changes when appropriate.

Goal Planning

Goal planning is as integral to financial planning as any facet can be. After all, the purpose for planning your finances is to achieve your most important goals and dreams. Goal planning draws the map to help get you where you want to go. Upon the determination of what areas are most important to you, we will tailor our analysis to those specific goals, showing you what will happen if you stay on your current path, and what you need to do to achieve the goals that are most important to you.

Estate Planning and Analysis 

Poor planning, coordination, and improper management can greatly decrease the value of your estate, and lead to a tremendous waste of the assets you worked so hard to accumulate. Without a programmed approach to estate conservation and distribution, heirs may be left confused at a time when they’re already burdened by loss.

Retirement Planning and Analysis

Whether you’re planning your retirement or already retired, your retirement income will help determine the quality of a large part of your life. With inflation constantly eroding the value of a dollar, and with social security and retirement plans only providing a portion of the average retiree’s income, Financial Concepts Unlimited, LLC (FCU) will provide you with the understanding, along with the expertise and tools, to help achieve your retirement objectives.

Life Insurance Analysis

One of the greatest love letters you can give someone is to show you care about them enough to have the proper amount of life insurance. At Financial Concepts Unlimited LLC, your life insurance analysis, and your purchase of life insurance, is not a frivolous matter. If you have responsibility for others, their quality of life depends on insuring yourself properly. We take great concern in doing a detailed analysis of your objectives, which includes many variables such as inflation, potential future income, and potential investment return, in determining your short and long-term needs, and the correct proportions of permanent insurance and term insurance.

College Funding

Advances that make a quality higher education, such as R&D, expanded libraries, and computer services, are also partly behind spiraling college tuitions. Yet college graduates will earn almost half a million dollars more in a lifetime on average than non-college graduates. If your child’s college education is important to you, than it’s important to us. Between non-custodial and custodial accounts, 529 Plans, the variety of investment vehicles you can use, tax issues, risk factors, inflation, varying college costs, and your own comfort levels, there’s a lot to be considered. We take the time to determine the best direction for you to turn to help achieve your education goals.

Disability Planning 

Have you ever thought of what it would be like if your ability to earn an income was lost for a long period of time? Would you be able to keep your house or still save for your most important goals? At Financial Concepts Unlimited LLC, we’ll analyze and explain your employer’s disability plan. If appropriate, we’ll recommend ways for you to protect yourself and your family against the devastating effects that come with any long-term disability.

Long-Term Care

A person works so hard over a lifetime to build what they have. Nursing home expenses, or elder care, can wipe out that same estate in a very short period of time. Financial Concepts Unlimited LLC, can help you plan against that situation by examining a myriad of alternatives.

Owner and Executive Supplemental Retirement Plans, Business Continuation Planning, and Employee Benefits

The tax laws are forever changing and new strategies are forever coming into existence to take advantage of those changes. From selective key employee supplemental plans to retirement plans covering all employees, from supplemental retirement plans, to comprehensive cafeteria plans, we can help you design the package that best fits your objectives and goals.

The P.A.R. (Portfolio Analysis Review) Program 

For non-clients of Financial Concepts Unlimited LLC, this is a wonderful way to learn about the assets you already own. There is no sales involved, no pressure involved, and no obligations or committments involved, except to let us sit with you and explain the results. You give us a list of your mutual funds and variable annuity sub-accounts, and we`ll give you an in-depth analysis of each of them (providing they are in our database). We don`t need to know your finances. We just need the names of the individual assets so we can do our research. The end result is a bound analysis you can take home with you for further study. We provide this service free for two reasons... it gives FCU a chance to introduce ourselves in a positive manner, and it educates you regarding assets you already own. We feel an educated investor is a better investor. The more you understand about your own portfolio, the better off you`ll be.
 
If you have any questions or comments, please feel free to contact us. Our contact information is at the bottom of this page, and the link to email us is on the left. If you would like to call and are long distance, please feel free to use our toll free number - 888-707-8376.

Thank you.