How We Help You Meet Your Financial Goals

How We Help You Meet Your Financial Goals

Financial planning is a process, not just a document and is designed to help you reach your specific financial goals. Pate & Smith Investment Group offers you a full range of planning services, and we provide objective and unbiased advice. We uphold our commitment to answer only to you and to keep your financial well-being at the center of our recommendation.
Financial planning is a process, not just a document and is designed to help you reach your specific financial goals. Pate & Smith Investment Group offers you a full range of planning services, and we provide objective and unbiased advice. We uphold our commitment to answer only to you and to keep your financial well-being at the center of our recommendation.

Everything Starts with a Plan:

Your personalized financial plan will include a thorough analysis of your financial situation including comprehensive charts and graphs as well as in-depth details about recommended strategies. Your plan may consist of some or all of the following analyses:

Everything Starts with a Plan:

Your personalized financial plan will include a thorough analysis of your financial situation including comprehensive charts and graphs as well as in-depth details about recommended strategies. Your plan may consist of some or all of the following analyses:
Cash Flow & Net Worth StatementsDiscover your net worth and where your money is going. We will identify a surplus or deficit in your finances. Investment PlanYour investments are your means to achieve your financial goals. We will help you create a diversified and low expense portfolio for your short- and long-term goals. Debt Reduction PlanDebt is a problem that does not age well. We can help you develop a strategy to pay down those credit cards and loans as soon as possible. Your debt reduction plan will be priority because being debt free is a wonderful feeling. Insurance Plan | Risk ManagementNo matter how good your plan is, there could be unexpected bumps down the road. We will help you plan for those unexpected expenses or situations to make sure you meet your goals. We will discuss disability, life and long-term care insurance. Pate & Smith Investment Group will examine if these policies can mitigate some or all of your risks. Establishing an emergency fund will be considered as well. Retirement PlanWe will all retire some day. Are you prepared for a long retirement? We can show you how much you should save on a monthly or annual basis, the retirement account you should be using (401(k), IRA, Roth, etc.), how you should be investing and when you can expect to achieve financial independence. Estate PlanEstate planning is not just for the rich and famous. Your plan may include having key estate legal documents in place, reviewing your beneficiary designations or understanding potential future estate taxes (Fed and State). Employee Benefit PlanWe will review and help you take advantage of your employee benefits. Should you enroll in the long-term disability insurance, flexible-spending plan or choose the high deductible insurance plan and HSA? College PlanEducation will be your most expensive future goal. We can help you create a saving and investment strategy to help pay for private or public 4-year college. Choosing a college saving vehicle (529, Roth, UGMA/UTMA) will be discussed.
Cash Flow & Net Worth StatementsDiscover your net worth and where your money is going. We will identify a surplus or deficit in your finances. Investment PlanYour investments are your means to achieve your financial goals. We will help you create a diversified and low expense portfolio for your short- and long-term goals. Debt Reduction PlanDebt is a problem that does not age well. We can help you develop a strategy to pay down those credit cards and loans as soon as possible. Your debt reduction plan will be priority because being debt free is a wonderful feeling. Insurance Plan | Risk ManagementNo matter how good your plan is, there could be unexpected bumps down the road. We will help you plan for those unexpected expenses or situations to make sure you meet your goals. We will discuss disability, life and long-term care insurance. Pate & Smith Investment Group will examine if these policies can mitigate some or all of your risks. Establishing an emergency fund will be considered as well. Retirement PlanWe will all retire some day. Are you prepared for a long retirement? We can show you how much you should save on a monthly or annual basis, the retirement account you should be using (401(k), IRA, Roth, etc.), how you should be investing and when you can expect to achieve financial independence. Estate PlanEstate planning is not just for the rich and famous. Your plan may include having key estate legal documents in place, reviewing your beneficiary designations or understanding potential future estate taxes (Fed and State). Employee Benefit PlanWe will review and help you take advantage of your employee benefits. Should you enroll in the long-term disability insurance, flexible-spending plan or choose the high deductible insurance plan and HSA? College PlanEducation will be your most expensive future goal. We can help you create a saving and investment strategy to help pay for private or public 4-year college. Choosing a college saving vehicle (529, Roth, UGMA/UTMA) will be discussed.
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Once we understand your goals and values (always the first step), we develop your personalized roadmap. We always strive to take manageable steps to improve your financial life. If we go too fast, you may burn out and stop improving. If we go too slowly, you may miss important opportunities to save money, protect yourself from life’s biggest risks or achieve your goals. We’ll help you make sure that the most critical tasks are prioritized quickly and the less important tasks are scheduled in the future rather than forgotten altogether.

We then meet two to four times a year by phone, by video or in person (frequency and location are up to you) to ensure that all the critical actions are being taken, whether by you or by us. Your financial adviser will be a great listener, a wealth of actionable advice, your database of financial knowledge and sometimes your biggest cheerleader.

We have no investment asset minimums to become a client. Our financial planning services are available to small personal investments up-to larger investments by business. Please fill out the short form below to have an adviser contact you to see how we might help.

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Once we understand your goals and values (always the first step), we develop your personalized roadmap. We always strive to take manageable steps to improve your financial life. If we go too fast, you may burn out and stop improving. If we go too slowly, you may miss important opportunities to save money, protect yourself from life’s biggest risks or achieve your goals. We’ll help you make sure that the most critical tasks are prioritized quickly and the less important tasks are scheduled in the future rather than forgotten altogether.

We then meet two to four times a year by phone, by video or in person (frequency and location are up to you) to ensure that all the critical actions are being taken, whether by you or by us. Your financial adviser will be a great listener, a wealth of actionable advice, your database of financial knowledge and sometimes your biggest cheerleader.

We have no investment asset minimums to become a client. Our financial planning services are available to small personal investments up-to larger investments by business. Please fill out the short form below to have an adviser contact you to see how we might help.

When is the right time to hire a financial adviser?

More than a third of Americans do not have a financial plan and 58 percent believe they need to improve their planning. In this “Eye on Money” series, CBS News business analyst Jill Schlesinger joins “CBS This Morning” with tips on how to get your finances back on track.

When is the right time to hire a financial adviser?

More than a third of Americans do not have a financial plan and 58 percent believe they need to improve their planning. In this “Eye on Money” series, CBS News business analyst Jill Schlesinger joins “CBS This Morning” with tips on how to get your finances back on track.

Schedule a FREE consultation TODAY!

Let's discuss your needs and our investment management services.
Let's Get Started

Schedule a FREE consultation TODAY!

Let's discuss your needs and our investment management services.
Let's Get Started