Retirement and Wealth Management

Retirement and Wealth Management

Raj C. Laungani
MBA, CFP®
Michael D. Sordyl
CLU ChFC RICP
Gary L. Brown
CLU ChFC MSFS

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  1. The financial analysis and recommendations are not intended to replace the need for independent tax, accounting or legal review. Individuals are advised to seek the counsel of such licensed professionals.
  2. Diversification does not guarantee a profit or protect against loss. It is a method used to help manage investment risk.

Michigan Financial Companies, Inc. is independent of John Hancock and Signator Investors, Inc.

Registered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor. 28411 Northwestern Hwy., Suite 1300, Southfield, MI 48034 248.827.1300

225-20160425-290255

Retirement and Wealth Management services are provided by representatives of Signator Investors, Inc., a member of FINRA, SIPC, a registered investment adviser, 28411 Northwestern Hwy., Suite 1300, Southfield, MI 48034 248.827.1300. Signator Investors, Inc. and The Ashley Group are separate entities and are independently responsible for the products and services they provide.

A successful wealth management strategy is one that provides for you and your family today and preserves for future generations. To achieve this success, a financial strategy must be comprehensive. That’s why we work with your attorney, Trustee, accountant, and other professionals as necessary to create a customized strategy that considers your various wealth management needs.

Depending on your state of life and types of concerns, your financial professional will help you find the appropriate solutions to issue funding for education or retirement, tax planning1, protecting your assets and your family, and organizing your estate.

  • Portfolio Building – Through asset allocation, we can help develop an investment strategy that balance potential risk and return by diversifying2 your assets across several investment categories. We’ll take into account your risk tolerance, liquidity needs, as well as your short-term and long-term goals.
  • College Funding – We can help you choose the right savings and investment vehicles.
  • Retirement Planning – If you are planning for a secure retirement, we can help you evaluate your retirement income needs and provide recommendations and solutions that are tailored specifically to your retirement lifestyle vision. We can also assess potential concerns that may impact your IRA rollover and assist you with the process.
  • Survivorship Protection – We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.
  • Asset Protection – We can recommend ways to protect your hard-earned retirement savings and your independent lifestyle should you or your spouse need long term care.
  • Disability Income Insurance – Often overlooked is the need to protect one’s current income stream and future earnings in the event of disability. We can help you protect your earnings from such an event.
  • Long Term Care Insurance – We can help protect your assets from the rising costs of long term care that affect your financial future and that of your loved ones.
  • Trust and Estate planning – With an effective strategy, you can control your assets according to your wishes, consider taxes1, reduce administrative costs, and ensure the effective management of your affairs should you become incapacitated. You may also be interested in developing charitable or family gifting strategies to pass along your wealth. Based on your individual situation, we can recommend techniques for approaching these challenges.