Personal

We collaborate with you to build and customize a financial strategy, walking you through a step-by-step process that will help you achieve confidence in your decisions. Our role can be limited to a specific program such as investment accounts or we can serve as your primary macro advisor and family office where we are coordinating all micro financial specialists needed to complete, integrate and simplify your financial life including:

INVESTMENT MANAGEMENT

  • Investment portfolio solutions focused on lowering cost, risk and tax while enhancing returns aligned with your goals

INSURANCE CONSULTING

  • Protecting your income, health, home, car, business, identity, family and your life

401(K), PROFIT SHARING, PENSION, IRA AND ROTH RETIREMENT PLANS

  • Assessing retirement savings needs and gaps by integrating pre-tax and post-tax asset allocation throughout all of your investment portfolios

CASH FLOW MANAGEMENT

  • Bank CD's and short-term portfolios to enhance yield but align cash needs with periodic, one time and unexpected expenses

PRIVATE AND COMMERCIAL BANKING SERVICES

  • Loans, lines of credit and mortgage solutions

INCOME ASSESSMENT

  • W-2, 1099, K-1, salary, bonus, commission, rent, royalties, dividends and other income sources

REAL ESTATE HOLDINGS

  • Residential, commercial, land acquisition and development

GOVERNMENT PROGRAMS

  • Full suite of Medicare solutions along with detailed social security income planning

END OF LIFE PLANNING

  • Will, healthcare directives, guardianship for minor dependents and conservatorships for incapacitated family members and all the dynamics involved with the family, caregivers, logistics and finances while honoring your wishes

TRUSTS, ESTATE & LEGACY PLANNING

  • Generational wealth transfer, donor advised, revocable, irrevocable, charitable, living and insurance trusts including the dynamics of control, risk and distribution within these instruments

TAX MITIGATION

  • Collaboration with tax professionals to assess, forecast, fund and lower tax liabilities

FINANCIAL & GOAL PLANNING

  • Clarity and comfort to reach your goals for retirement, paying for college, travel, vacation home, boat, etc.

Higley Financial, LLC has strategic partners for accounting, legal, banking, real estate and other financial needs.