SERVICES
Planning Your Tomorrow.
As an independent financial services firm, we pride ourselves on our autonomy, which allows us to act solely in the best interests of our clients. Unlike firms affiliated with specific products or companies, we maintain complete freedom to explore the entire financial landscape to find the solutions that best fit your unique needs and objectives. This independence empowers us to offer unbiased advice and recommendations, ensuring that you receive the most suitable products and services available in the market. Whether it’s retirement planning, investment management, insurance solutions, or estate planning, our commitment to independence means that our sole focus is on delivering personalized strategies that align with your financial goals and aspirations. By partnering with us, you can have confidence knowing that our recommendations are driven solely by what’s best for you, not by any obligations to promote particular products or companies.
Financial Planning
Financial planning serves as a cornerstone for achieving long-term financial stability and meeting life goals. Our services encompass a comprehensive approach, starting with understanding your current financial situation, setting achievable goals, and devising a tailored plan to reach those objectives. We provide a range of services including budgeting, debt management, goal setting, risk management, and investment advice. Our goal is to empower you with the knowledge and tools necessary to make sound financial decisions. Explore our resources such as budgeting templates, investment calculators, and educational articles to enhance your financial literacy and plan for a secure future.
Investment Advice
Our investment philosophy revolves around aligning your investments with your financial goals and risk tolerance. We offer personalized investment strategies tailored to your unique circumstances. Whether you’re interested in stocks, bonds, mutual funds, ETFs, or alternative investments, we provide guidance to help you make informed decisions. Our portfolio management approach focuses on optimizing returns while managing risk through diversification and ongoing monitoring. Stay informed with our educational content covering investment fundamentals, asset allocation, and market insights to make confident investment choices.
Retirement Planning
Retirement planning is essential for achieving financial security in your later years. We work closely with you to define your retirement goals and develop a comprehensive plan to achieve them. Our services encompass retirement account management, withdrawal strategies, Social Security optimization, and addressing healthcare costs in retirement. Whether you’re just starting to save for retirement or nearing retirement age, we’re here to guide you through every step of the process. Take control of your retirement future by partnering with us to create a personalized retirement plan tailored to your needs and aspirations.
Education Funding
Planning for your children’s education is a significant financial endeavor. We offer guidance and solutions to help you save and pay for education expenses efficiently. Explore options such as 529 plans, Coverdell ESAs, and UTMA/UGMA accounts to save for future education costs. We provide resources and tools to estimate education expenses, maximize financial aid opportunities, and develop a savings strategy that aligns with your goals. From tax-efficient savings strategies to navigating the financial aid process, we’re here to support you in securing your children’s educational future.
Employee Benefits
Employee benefits play a crucial role in attracting and retaining top talent while supporting employees’ financial well-being. We help employers design and communicate comprehensive benefits packages that meet the diverse needs of their workforce. Our services include benefit package analysis, enrollment assistance, and communication strategies to educate employees about their benefits. By optimizing benefit offerings and enhancing employee engagement, we help organizations create a positive work environment and foster employee loyalty.
Health Benefits
Health benefits are a cornerstone of employee compensation packages and contribute to overall employee satisfaction and well-being. We assist employers in evaluating and selecting health insurance options that meet the needs of their workforce. From traditional health plans to high-deductible health plans (HDHPs), we provide guidance on plan selection and cost management strategies. Additionally, we support employers in implementing wellness programs and telemedicine services to promote employee health and reduce healthcare costs.
Estate Planning
Social Security Claiming Strategies
Social Security benefits can be a big component of retirement income for many people. We provide guidance on navigating the complexities of Social Security and maximizing your benefits. Our services include analyzing your Social Security eligibility, exploring claiming options, and developing strategies to optimize your benefits. Whether you’re approaching retirement age or planning for the future, we’ll work with you to create a claiming strategy that aligns with your financial goals and maximizes your Social Security benefits.
Start planning for your financial success today!
Securities offered through Cetera Financial Specialists LLC., member FINRA/SIPC. Advisory services offered through The Patriot Financial Group.
CLICK HERE FOR A COPY OF THE PATRIOT FINANCIAL GROUP RELATIONSHIP SUMMARY (FORM CRS) Free and simple tools are available to research firms and financial professionals at INVESTOR.GOV/CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.
Alder Tree Financial, Patriot Financial Group and Cetera Financial Specialists LLC are separate entities.
Important Information from FINRA to consider before transferring your account.
This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.