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Why consider Chaney & Associates Financial Planning, LLC

Why consider Chaney & Associates Financial Planning, LLC

So what makes Chaney & Associates Financial Planning, LLC unique?  We can sum it up in two words, "Our Process".  

Over the last thirty-plus years, we have developed and refined a process that helps individuals in or near retirement, thrive rather than merely survive.  We created this process because we have witnessed retirees struggling financially, when they should be enjoying their golden years.  

We call this process the "WealthStream System."  Our system puts all the pieces of the retirement puzzle together so our clients can look forward to retirement with anticipation rather than apprehension, and with clarity rather than confusion.

While Financial Advisors within a firm may come and go, at Chaney & Associates Financial Planning, LLC, you can rest assured our "Process" will continue.  Our clients enjoy working with a knowledgeable professional who functions in a consultative role, rather than as a salesman.  In our advisory relationships we act in a fiduciary capacity, always putting our clients first!

We examined the numerous roles and services we provide to our clients throughout our long-term relationship.  We found 80 things we typically address and categorized them into seven pillars, which is the foundation of the WealthStream System.

Wealth Management is part of our process, not our sole purpose.  When it comes to wealth management, most independent firms have access to the same investments. For all intents and purposes, we are all fishing off the same peer.  What makes us different is our investment management philosophy.  We believe in being proactive rather than reactive.  We rely on the advice and recommendations of the world's largest money managers to create custom portfolios tailored to our client's risk tolerance or comfort zone.  No cookie-cutter portfolio's at our firm!

Risk Management.  We are happy to work with your insurance agent or agents to make sure you and your family are prepared in the event of an unforeseen emergency or catastrophic event.  If you are not working with an insurance agent, our Financial Advisors can function in this capacity.  

Tax Management and Planning. It isn't easy to build substantial assets throughout one's lifetime. It is even more challenging to access these assets in a tax-efficient manner at retirement or sooner if needed.  Switching from the accumulation phase during your working years to the distribution phase at retirement is where our firm excels!  Our process will help you understand the options of possibly paying taxes now in order to save taxes in the future.  Unless Congress changes the current tax laws, tax brackets will increase in 2026.  Are you currently deferring taxes, knowing you will pay a higher rate in the future? (Tax-Free vs Taxable)

Estate Planning:  We will work with your attorney or refer you to knowledgeable attorneys that specialize in estate planning and or elder law.  We will make sure you have a comprehensive plan rather than just documents.  We will assist you in titling your accounts and designating your beneficiaries, so your investments work in unison with your estate plan.  It is part of our process to help you plan while you can, so others are not making decisions for you.  

Cash Management:  This is where we look into all aspects of debt and cash management.  We often advise our clients regarding the placement of idle cash in order to earn competitive interest rates.  We can discuss the pros and cons of short-term vs. long-term mortgages and discuss issues such as paying off your mortgage early to improve cash flow in retirement.  

Philanthropy:  Upon achieving financial independence, many individuals ask themselves, "What will become of my legacy?"  We assist our clients in this area by incorporating their wishes into their estate plan but also assist them in funding charitable causes in a tax-savvy and tax-sensitive manner.  

Value-Added Services:   This is where we put all the pieces of the financial puzzle together.  We provide a Personal Financial Organizer (PFO) to help our clients set goals, measure progress, and plan for their future.  We work as a sounding board for our clients' relatives or friends - without requiring them to become a client.  Most importantly, we are standing by as needs change while life unfolds to make the necessary changes to your financial plan.

Feel free to reach out to us to learn more about our values and our process.  

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