Fee Only Fiduciary

Retirement & Wealth Strategies for Individuals and Businesses

The years leading up to retirement are both joyous and stressful at the same time. You work hard for your money, you accumulate assets throughout your working years, and you wonder, “When can I stop working and start withdrawing funds that I can comfortably live on?”

Company retirement plans are designed to accumulate money during our working years but are not structured to distribute the funds when retirement comes.  We work with you to review all of your fee-only options based on your individual situation in seeking to help ensure that the funds last throughout retirement and leave a legacy for your dependents.

When working with you on your fee-only financial path, there has to be an open dialogue regarding your financial future. Here at 360 Financial Solutions, we bring a vast knowledge of retirement plans and wealth benefits. A successful financial path is pursued by the following process:

Discovery Meeting

This mutually beneficial discovery meeting allows us to get to know you better. We’ll learn where you stand financially and what your goals are. We’ll show you how 360 Financial functions as a Fee-Only fiduciary, and a fact finder document is filled out.

On-boarding

Once we’ve explained our process and both decided to move to this step, we connect via Zoom and start to gather all of your data.

Strategy Session

This is the part of the process where we discuss the result of the data. We explain the financial reports and what they mean to you and your plan.

Execution

This is when we make any necessary adjustments as your situation and needs evolve.

Corporate Clients

If you have a business or corporation, we can help you develop a business retirement plan that is essential to retaining exceptional employees. We are also able to show you options for seeking to optimize your current company plan through the following types of programs: 

Qualified Retirement Plans

• Defined Benefit
• Defined Contribution
• Cash Balance Plans
• ESOPs (Employee Stock Ownership Plan)
• Profit Sharing
• 401(k) plans

Non-Qualified Retirement Plans

• Incentive compensation taxed in future years
           •Deferred Compensation
           •Defined Contribution
           •Defined Benefit
• Executive bonus plans
• Split dollar life insurance
• SERP (Supplemental Executive Retirement Plan)
• Equity compensation arrangements
• We can also help with Life and Disability benefits

Give us call or shoot us an email to discuss what it means to have a Fee Only Fiduciary. 

Offices in Roanoke, Lynchburg and Charleston, SC.