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Financial Planning

Financial planning is one of the most important services that successful people use to create and retain a prosperous personal life and business career. However, it requires a lifetime commitment, not only from us, but from you as well. At Rainey & Randall we are determined to identify and address your goals whether they may be personal, family-related or connected to a property or business, so that we can help you achieve success of your own.

Our Comprehensive planning services include:

  • Personal – Family records, budgeting, personal liability, estate information and financial goals
  • Education – Education IRAs, financial aid, and state savings plans including 529 plans, grants and general assistance to help meet a dependent’s continuing education needs
  • Taxes and Cash Flow – Understanding the impact of various investments on current and future income tax liabilities
  • Survivor and Beneficiary Planning – Cash needs when deceased, income needs of surviving dependents, estate planning and income analysis
  • Estate – Reviewing wills, trusts, and other estate planning documents to determine if the assistance of an estate-planning attorney is necessary. Reviewing powers of attorney, nursing home and assisted living agreements, living trusts, and Medicare/Medicaid benefits
  • Retirement – Analysis of current strategies and investment plans to help achieve retirement goals
  • Investments – Analysis of investment alternatives including risk and return analysis and their effect on an individual investment portfolio. Assessment of a risk tolerance profile.
  • Real Estate – Analysis of real estate investment opportunities
  • Insurance – Review of existing policies to help ensure proper coverage for a home, an automobile, health, disability, long-term care, liability, and for life.