hile our range of professional services is impressive, it’s often our accessibility and service-driven attitude that our clients recognize as a long-term gain of dealing with Haire Bohmer. Through the relationships we cultivate with our clients, they feel comfortable turning to us even if they want to know something as simple as whether leasing or buying a car is the better option, or whether a major purchase makes financial sense for them.

• Cares more about you and your money than anyone who doesn’t share your last name.
• Persuades you to do the things you ought to do, even if you don’t feel like doing them.
• Acts as a wise sounding board for ideas you are considering.
• Listens and provides feedback in a way that a magazine or newsletter writer does not.
• Shares the experiences of other clients who have faced circumstances similar to yours.
• Monitors changes in your life and family situation.
• Proactively keeps in touch with you.
• Remains only a telephone call (or e-mail message) away to answer questions for you.
• Strives to provide excellent service at all times.
  
• Ask questions in order to understand your needs and objectives. Helps you to determine realistic goals, formalize those goals and put them in writing.
  
• Guides you to think about areas of your financial life that you may not have considered.
  
• Helps you evaluate the differences in risk levels and where your risk tolerance is versus where you “think” it is.
  
• Studies the alternatives, makes specific recommendations and implements those recommendations to help you meet your goals, as well as consolidate and simplify your investment portfolio.
  
• Converts your investments to “lifetime income.” Helps manage retirement income to minimize current tax liabilities.
  
• Assists you in preparing an estate plan. Helps with the continuity of your family’s financial plan through generations.
  
• Reviews and recommends life insurance coverage to protect your family.
  
• Reviews your children’s custodial accounts and 529 plans.
  
• Assists you with your company’s retirement plan.
  
• Provides referrals to other professionals, such as accountants, attorneys, and mortgage brokers. Works with your tax and legal advisors to help meet your goals.
  
• Monitors your investments, including annuities, 401(k) and 403(b) plans, IRAs, non-qualified mutual funds and stocks, etc. and makes recommendations for revisions as conditions change.
  
• Provides independent, unbiased, third party research as well as the firm’s research on stocks, bonds, mutual funds, annuities, etc.
  
• Does due diligence on money managers and mutual fund managers in order to make appropriate and informed recommendations.
  
• Stays up to date on changes in the investment world.
  
• Guides you through difficult periods in the market by sharing historical perspective.
  
• Provides access to answers from a major investment firm.
  
• Calculates your IRA Required Minimum Distribution.
  
• Helps handle exchanges, tenders and special stock dividends; holds and warehouses stocks, bonds, and other securities.
  
• Facilitates the transfer of investments from individuals to trust or from owner to beneficiaries.
  
• Reviews your tax returns when necessary.
  
• Stays up to date on tax law changes.
  
• Holds seminars to discuss significant and/or new financial concepts.
  
• Educates you on retirement issues, estate planning issues, college savings and financial aid options.
  
• Provides guidance/advice to children and grandchildren who may not have immediate access to a financial professional.
  

What is Advice for Life?

Advice for Life is a methodical four-step process that we have implemented successfully for clients with wide-ranging experiences, hopes and dreams. This life-goal approach to planning seeks to reflect all your priorities and specific life circumstances through four key stages:

Discovery: We find out what is most important to you, by asking many questions, and together we will figure out where you are now.
Planning: Based on our discussions, we will construct a framework for each goal and create a plan that supports them.
Solutions: We will recommend specific solutions for each of your goals and implement your customized plan.
Monitoring: We will incorporate tracking systems to keep your plan on target, and help you to plan for the unexpected, anticipate change, and adjust your plan over time. Advice for Life is an ongoing process. Over the course of your lifetime, your dreams, goals, and circumstances can change. Through life's ups and downs, we'll be there to provide guidance, monitor your progress, and help keep your plan in sync with your dreams.