Our Services

Financial Planning Services means a number of different things to different people. If you are looking for a comprehensive financial plan, it should include the following:

Financial Position Planning - this covers areas such as cash flow management (budgeting), net worth, debt management

Protection Planning - topics which should be reviewed here include all your insurance needs (health, life, disability, auto, home, long term care)

Investment Planning - how do you determine the correct investment balance? Reviewing your risk tolerance (it's usually a lot different than you think!). Creating your asset allocation model and determining which asset classes to use and researching the proper investment options

Tax Planning - tax projections, tax strategies, maximizing all the available options should be addressed here

Retirement Planning - will you have accumulated enough assets to be able to retire when you hope to? What will your income needs look like 15, 20 or 25 years after retirement? Knowing your choices is key to planning for retirement

Estate Planning - wills, trusts, beneficiary designations, estate tax avoidance are all critical to ensuring all you've worked for doesn't end up in the IRS' coffers

Not all people need a comprehensive plan, at Eubank, Hutson & Associates we'll discuss your needs with you and identify the level of service that is appropriate for you.

What do these services cost? At Eubank, Hutson & Associates we structure our charges in two methods. The first is an hourly rate and the second is a fee based on a percentage of total managed assets. We can discuss this and any other questions you might have at your first appointment for which, by the way, there is no charge.