SERVICES

At Cereus Financial Advisors, we are committed to helping you create financial security for you and your loved ones. To this end, we provide the following services to help you meet your goals:


COMPREHENSIVE FINANCIAL PLANNING

Successful financial planning begins with goal setting. The best way to do this is with a competent, objective financial advisor, someone specially training in helping people formulate and prioritize their needs—retirement, education, healthcare, vacation home, boat, family business, philanthropy, etc. Once the goals are established, we identify your current cash flow: How much money are you making? How much is coming in? How much is going out? For what? That’s your budget. Then we look at your current assets, how they’re invested, and how you’re insured. We then use cash-flow projections to look at how you are currently tracking towards your goals. We take into account inflation, healthcare costs, insurance, and threats against the plan, such as disability, death, or job loss. We look at the whole financial picture, not just a snapshot. Finally, we put together a comprehensive financial plan that projects into the future, suggesting what to change to make the goals possible or to make the goals more possible. We use statistical analysis to help ensure your plan can withstand worst-case scenarios regarding inflation risk and investment return risk. At Cereus Financial Advisors, our financial plans are for the real world, not just sunny day projections. Learn more. 

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RETIREMENT PLANNING
Saving for retirement is crucial, whether you are just starting out in your adult life or are nearing retirement age. Cereus Financial Advisors can help you understand what your retirement picture will look like. Using the cash-flow estimate prepared in your Comprehensive Financial Plan, we can project what your retirement is likely to look like. We can tell you if your plan will allow you to retire at 50, 65, 70, or if you need to work into your 80s. We can help you improve your outcome by increased savings, better investments, selling assets (such as homes), or using tools such as insurance, annuities, or reverse mortgages to fund a comfortable retirement. We can help you answer key questions: How much do I get to take out of the money that I’ve saved? How much do I get to spend? How do you switch your perspective from “earning” an income to “using” your income? We can show you how it doesn’t have to be one or the other; you can still earn an income during retirement, even as you “use” your income. As your retirement planning partner, we can advise you when to start withdrawing from your 401(k) and how to maximize lifetime Social Security. Learn more.

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EDUCATION PLANNING
Although it is best to start the college investment process when your child is young, it is never too late to begin. It is easy to put off thinking about these expenses, hoping that your child will receive scholarships or financial aid. But don’t count on them. While these awards do help with college funding, they are not guaranteed, not always comprehensive, and not available to everyone. When you child is younger, education planning involves creating a savings and investment plan, possibly with tax advantaged plans. Once your child is in high school and researching colleges, planning involves determining the real price of college and how to use the college search process to maximize the potential for both merit and needs-based aid. While your child is attending college, it is most important to plan on how the child’s and parent’s contribution is actually paid. How do you avoid impoverishing yourself and/or saddling your child with significant debt?Our knowledge and professional guidance can help you give your child the opportunity for the bright future he or she deserves. Learn more.

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ESTATE PLANNING
Estate planning is necessary for everyone. Estate planning protects loved ones and ensures that your wishes are known and fulfilled when you might not be in the position to make them known yourself. This includes who might take care of your minor children, who makes medical decisions when you are unable to, and how to transfer your wealth efficiently, while legally minimizing the fees and taxes paid both before and after death. Cereus Financial Advisors can help you understand what should be in your estate plan. While we cannot draw up legal documents, we can work with your attorney or recommend an attorney for you. We can help you review your current estate planning and advise you on ways to improve it. Trusts and insurance can be used to enhance your estate planning, but it is important to create flexibility both for you and for your heirs. If you are philanthropically minded, we can advise you on techniques to pass assets to charities, while creating an income stream for a loved one. We also have years of experience with estate administration. If you find yourself dealing with the loss of a loved one, we can help you navigate. Learn more.

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RISK MANAGEMENT AND INSURANCE
At Cereus Financial Advisors, we believe insurance is a tool for our clients to use to protect loved ones in the case of catastrophe. Everyone needs insurance to manage risks in their lives. We help our clients make sure they have the right kind of insurance, the right amount of insurance, and make sure they are not paying too much for it. Do you have enough life insurance to deal with your obligations and protect your loved ones if your income ceases? Would life insurance help with retirement or estate planning? Do you have the right type of life insurance? Long-term care has become a significant problem in this country. Dementia or physical disability can mean a need for many years of expensive custodial care which in most cases medical insurance, including Medicare, will not cover. Long-term care insurance is a possible solution for this problem, but there are others, including hybrid life and annuity products. We can help you evaluate your options. We are licensed for life, disability, health, and long-term-care insurance in multiple states. We are independent brokers and can help you shop for the best insurance deal with multiple carriers. We will recommend group insurance from your employer if that is the better deal for you. We can also help you find or choose health insurance. Learn more.

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INVESTMENT MANAGEMENT
Cereus Financial Advisors can help you define an investment strategy tailored to your goals and based on your tolerance for risk. As you know, the value of investments goes up and down, so being able to withstand that volatility is extremely important. Our approach is to help you make your money work, while using diversification to minimize business risk and sector risk. With our relationships, your money can be managed by the top money managers in the country, overseen by us. Investment strategies include mutual fund portfolios, ETF portfolios, Separately Managed Accounts with individual stocks and bonds, bond income ladders, and much more. We charge a fee for financial planning and separately charge an Assets Under Management fee if we manage your investments. Our advice is independent, unbiased, and confidential. As CFP® professionals, we agree to a fiduciary oath to act in your best interest alone. Learn more.

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TAX PLANNING
The aim of tax planning is to minimize tax burdens and build a solid foundation of tax reductions that can result in years of tax savings. This usually involves creating opportunities to legally minimize taxable income and maximize deductions. For example, a solo-401(k) can help a small-business person to shelter current income from taxes. When you have taxable investments, managing those investments in a tax-efficient manner can save thousands in taxes every year. In years where your income is low, it may make sense to do ROTH IRA conversions while you are in a low tax bracket. We will review your tax return to make sure you are taking advantage of opportunities for tax savings. An end-of-year tax review can reveal moves which you can make at the end of the year to minimize your tax burden. Learn more.

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DIVORCE
Not only can divorce have serious emotional and personal consequences, but dealing with the financial implications can make matters even worse. Spouses usually divide the financial tasks in their lives, and a divorce means you might have to do things you are not familiar with during a time of extreme stress. How will you separate your financial life from your ex? What will your budget look like? How best can you divide the retirement assets? Cereus Financial Advisors can help you understand how divorce could affect you financially, what you can do to help manage the outcomes, and help you get back on your feet financially. Learn more.

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CAREER TRANSITION
Career changes are inevitable. Sometimes they’re planned; sometimes they are not. It is vital that you understand your options during career transitions. Many benefits from your previous employer can be continued during your transition, but you usually need to act fast. Employers will tell you about your rights regarding health insurance, but they don’t tell you that you may have options to extend your disability and life insurance. People often get lump-sum payouts of severance or vacation time when they leave a job, but managing those funds during your transition can be key to your long-term financial health. What will you do about covering your living expenses? What will you do about health insurance? When you get that new job, we will help you through the maze of benefit options you may have to make sure you choose wisely. Cereus Financial Advisors works with clients to help you through life’s many unpredictable events, including career transitions. Learn more.

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