“When was the last time you felt really good about your financial goals?”

Do you have a map? You probably have an idea of where you are in life, and where you would like to be. However, the big question is this: Do you know how to get there?

So, do you have a map?

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“What kind of written plan do you have forecasting income and living expenses in retirement, to ensure that you don’t run out of money?”

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Although a map can help you get to where you want to be, uncertainty can still make the journey difficult. You may not know the best way to get there, or even how long it will take. In fact, obstacles can come up which keep you from your reaching your ideal destination.

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Do you know what’s better than just having a map?

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Having a guide. Having an advisor.

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A good advisor can help you create a map and even set up goals. A great advisor, however, will help you get to your destination.

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I would love to know more about you and where you would like to be.

To comprehend your entire financial picture and most important your values, relationships and dreams, our first meeting focuses on you and what is important to you.

At this meeting we’ll work with you to complete your Discovery Workbook, which allows us to develop an in-depth picture of your financial position, your goals and objectives, and your tolerance for risk.

Click link here to see a pdf and to start your own Discovery Workbook

“Do More Than Dream…   Plan.”

Most people think financial planning is about money.

It’s not.

It’s about you.

It’s about you and what’s important to you.

It’s about your dreams and living the life you want to live.

We can help simplify your financial life so you can spend more time on your quality of life and the things that matter most to you.

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Understanding our clients most important goals, their deepest values and their most fulfilling dreams is the cornerstone of our practice.

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If we could design a plan to help you maintain your lifestyle in retirement, provide support for your most important relationships and help secure your financial legacy, would you like to start that conversation?

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“Advice and financial planning with the focus on you!”

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What Smart Investors Know

Smart investors take the time to separate emotion from fact.

Who We Serve

Mary, Recently Widowed
At age 67, for the first time in her life, Mary was in charge of the checkbook. Her late husband had made all of the financial decisions during their 46-year marriage. He signed tax returns, met with their attorney, and made investment decisions. With John gone, Mary felt overwhelmed by the complexities of her financial responsibility. Mary didn’t know where to turn for financial help after her husband died. She knew her friends, but did not know any financial professionals in Mahoning County, and she was starting to panic.

Referred by a friend, Mary met with Mike Moss, a senior financial consultant and founder of Lighthouse Financial Strategies in Boardman, OH, and chose him as her advisor because of his long-term track record, and the fact that, as a fiduciary, he was required to always act in her best interests. With the help of Lighthouse Financial Strategies during a vulnerable time in her life, Mary gradually came to see that she had enough money to live securely for many years, and to pass a legacy to her grandchildren. In time, with Mike’s help, she gained the peace of mind that comes with controlling your finances while relying on experts you can trust. It’s made all the difference in her general confidence and outlook of how she sees the rest of her life.

“We thrive on you achieving your goals!”

Bob and Sandy, Thinking About Retirement
Bob, 54, who manages a local business in Poland, OH, and his wife, Sandy, a 49-year-old nurse, are starting to worry about their retirement. Though they put one child through private college and another through medical school, they have saved little for themselves. While Bob and Sandy earned more than $160,000 a year, apart from Sandy’s retirement plan at work, they hadn’t set aside a dime toward retirement.

Mike Moss helped Bob and Sandy create a detailed cash-flow plan showing the couple their projected income and expenses through age 90, and a plan for saving the money needed to fund those outlays. While a bit scary, this gave them a goal and a plan. Mike recommended that Bob start catch-up contributions at work and that both Sandy and he open IRAs to build tax-deferred savings. They also planned out a social security strategy, in doing so, they will generate a greater monthly income during their retirement years. Bob and Sandy are now comfortable in their knowledge that they will most likely not outlive their money – one of their most important concerns when planning for their retirement.

Tony, the Busy Executive
Tony 44, is an executive at a successful manufacturing company in Pittsburgh, PA, and wants to invest aggressively, but business and family obligations leave him little time to focus on investing. Tony worked with a stockbroker, but sales commissions were high and he never could shake nagging concerns about the broker’s conflicts of interest. Things just didn’t seem to add up in his favor. A friend told him about Mike Moss, a senior financial consultant and founder of Lighthouse Financial Strategies in Boardman, OH, and he made an appointment to see him.

After moving his account to Lighthouse Financial Strategies, Tony no longer worries about conflicts of interest. Lighthouse Financial Strategies does not do investment banking, so Tony trusts the recommendations since the conflict of interest is eliminated. Lighthouse Financial Strategies ensures that Tony saves properly and invests wisely so that he will be able to enjoy a comfortable retirement.

If you have any questions or would like to start a conversation, please contact me here.