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Comprehensive Guide

We all have goals—and many are linked to our finances, from paying for higher education, to meeting health-care needs and other foreseen costs, to retirement. Trying to make investment decisions while juggling all these financial goals on your own can be overwhelming and time-consuming. Consider working with a HCS Financial Advisor. They have the experience to help create and implement a wealth plan that takes your specific goals and circumstances into account.

Many investors turn to professionals for guidance on their investments. Nearly six in 10 (57%) of high-net-worth investors in the U.S. currently work with a financial professional, according to a Morgan Stanley survey. These investors are most interested in getting guidance on retirement income (87%), asset allocation (87%), market analysis (87%) and changes in tax policy (80%).1 Many also want a Financial Advisor’s help aligning their portfolio with their values (75%), sticking with their financial plan (73%), planning for long-term care (73%) and estate planning (68%).

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Managing your finances is more than just making investment decisions. It begins with having a thorough understanding of your situation- including expenses, investments, aspirations and family dynamics, as well as your goals. By working with a Financial Advisor, you can determine an asset allocation strategy to help you reach your goals, then put those strategies in place. Your Financial Advisor can also work with your tax and legal advisors to help create a personalized plan that suggests ways to help reduce your taxes, incorporates estate and philanthropic goals and help cover your future health-care needs.