Prudent Money Solutions
Prudent Money Financial Services is dedicated to helping clients achieve their financial goals. We offer a variety of solutions, including personalized money management, financial planning, and much more. Our goal is to meet our clients where they are and develop a tailored plan to meet their desired objectives. Discover more about the solutions Prudent Money has to offer and get started on your journey towards financial security. The bottom line is – In all cases, there is never a fee for us to sit down over the phone or in person to see if Prudent Money is a fit for you. We can help you whatever the stage, whether you are beginning or in retirement.
Former Employer 401K
We have a solution to maximize the value of your old 401K investments. Bob understands the complexities of rolling over an old 401K and will work with you to create a plan that optimizes your returns. With Bob's guidance, you can make sure your old 401K (plus your new 401K) is making the most out of your money.
Retirement Planning
Bob offers financial planning services, providing personalized advice and guidance to help you make the right financial decisions. Bob will sit down with you and provide one-on-one investment advice planning. He can also help you plan for pre-retirement or retirement, ensuring that your finances are managed and secure.
Retirement Income
Bob understands that planning for income in retirement is complex and requires a comprehensive approach. He looks at all sides to determine your individual needs and goals and then creates a plan to help you reach them. Bob provides a personalized service to ensure that you have the retirement income you need.
Guaranteed Investments
With access to today's best locked-in rates, you can rest assured that your investments are secure and your returns are guaranteed. Bob will work with you to evaluate your situation and determine if a guaranteed investment approach is the right fit for you. With competitive rates and guaranteed returns, you can have peace of mind knowing your investments are in good hands.
Money Management
Bob's money management service utilizes a Plan A and Plan B investment portfolio to make the most out of any market environment. This investment approach seeks to maximize returns while mitigating risk so that you can achieve your financial goals. Bob's strategies have been designed to help you stay on the path to financial success.
Long Term Care
70% of those turning 65 today will likely need long-term care services. Forbes says only 3% of the population has it. Most advisors think selling an expensive long-term care insurance product is the answer. We feel differently - a sound long-term care strategy involves a combination of a person's assets alongside long-term care coverage.
Schedule an initial 30-minute
no cost appointment
What is the process for becoming a client?
Step 1
Schedule a no cost no obligation initial phone consultation with Bob by clicking here.
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Step 2
When you meet with Bob, you will discuss your goals and review your financials to design a plan for you to consider.
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Step 3
We will take care of it all for you! When you move forward with the plan, we will set up any necessary accounts.
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How can I start working with Bob ?Full Transparency: I’m Biased, but Here’s Why That’s a Good Thing! I understand that not every Financial Advisor is the right fit for every individual, and that’s perfectly okay. The process starts with a simple phone call, where the goal is to see if I’m the right person to help you. If it turns out I’m not the best fit, I can connect you with someone who is. For instance, if you need legal advice, like drafting a will, I can refer you to a trusted attorney. My priority is making sure you get the assistance you need, whether it’s achieving your financial goals or solving a specific problem. In most cases, I can provide the guidance you're looking for. From there, we’ll determine the next steps together and move through the process at a pace that works for you. Whether it’s over the phone, in person, or via Zoom, we’ll tailor our communication to your preferences.
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How will Prudent Money work with the amount of risk I am willing to take?Aligning Risk with Your Comfort Level We carefully assess your risk tolerance to ensure it aligns with the level of risk you're comfortable taking, whether it's high or low. Getting this right is essential for us to serve you effectively. At the core of any successful financial plan is strong risk management, which we believe is fundamental to the responsible stewardship of your financial future.
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What are your fees and how do they work?Fee Structure and Client Support Our fees are structured based on the services provided: you may be charged an hourly rate, a one-time project fee, or an ongoing investment management fee, which will be deducted from your investment account. We offer all new clients a complimentary phone consultation, along with quick advice via phone or email at no charge. Additionally, you’re always welcome to ask a question and access free resources made available through the Prudent Money Foundation.
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How do I know if I have enough for you to manage? Does Prudent Money have minimum requirements?The Challenge with Today's Financial Industry I take a different approach. Thirty years ago, I became a Financial Advisor to help people, not turn them away. The financial services industry is becoming increasingly difficult to navigate, especially for those seeking personalized guidance. Minimum investment requirements are continually being raised, making it harder for the average person to work with a financial advisor. As a result, many are left with no choice but to rely on online robo-advisors or, worse, have no access to financial advice at all. While your specific investment needs may vary, there is a program tailored for everyone, each designed to help you achieve your financial goals. These options are built on the stewardship principles that Bob regularly discusses on his radio show.
Contact
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