The Need for Financial Planning
 
The Havlik & Varlotta Group approaches financial planning with the clear understanding that each of our clients have a unique set of goals and objective. We realize that managing your finances in today’s complex world is challenging. Many people feel overwhelmed with the range of options available and so little time to make the necessary decisions.  This is where our team’s knowledge and expertise come into play. Whether you’re starting a family, building a business or planning for retirement, we are ready to guide you toward  success by creating a balanced and integrated plan, tailored to meet your unique planning needs. 
 
Financial solutions for those seeking a high quality retirement lifestyle
 
Retirement Planning
 
Retirement planning means something different to everyone. When we think of retirement planning we think in terms of financial independence: feeling secure that you have enough money set aside to maintain your lifestyle and meet unexpected needs during your retirement. Our team not only helps you plan for retirement, but also makes sure you stay on track during retirement.
 
Investment Selection/Portfolio Design
 
We view portfolio design as a two-step process. Step 1 involves clearly identifying the timetable and capitol need for a specific financial objective. Step 2 involves choosing a diversified blend of investments and investment vehicles, while maintaining an acceptable level of risk. To maximize your probability of success, it is our preference to accept the lowest level of risk necessary to achieve your particular financial objective.
 
 Risk Management
 
Part of being financially independent is being properly prepared for the unexpected. We help you protect your financial independence by ensuring that you are prepared to deal with the random events that can be so devastating to your future. We review your property, liability, disability, long-term care, health and life insurance to verify that the risks you face are adequately covered. We then provide recommendations for you to act upon.
 
Estate Planning
 
Many people think of estate planning as simply the writing of a will, but it encompasses much, much more. Proper estate planning ensures your affairs are in order so you and your loved ones are protected in the event of death or incapacity. Furthermore, your estate plan can create or preserve your legacy and promote values you want passed on to your heirs. We work with you and your attorney to develop an estate plan that accomplishes your wishes.