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How We Help

Services and strategies that help you turn the page to your ideal retirement.

Our Process:

The Stander Standard

When it comes to your golden years, you should settle for nothing less than the gold standard. That’s why we created The Stander Standard, our three-step retirement planning process designed to help you pursue the very best for your financial future.

We’re all about education, and that starts by educating ourselves on your current financial landscape. We’ll uncover opportunities, identify challenges and set the stage for a tailored strategy that truly fits.

Background
Our Philosophy:

A Three-Bucket Approach to Allocation and Distribution

All investments have three main factors to them: safety, liquidity, and growth. A general rule of thumb is to pick the two that are most important to you. At Stander Financial, we take the time to get to know your unique situation. Then, with your needs and aspirations in mind, we allocate your nest egg across three distinct buckets:

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Bucket 1:

Emergency Fund

(Liquidity and Safety)

This bucket is your financial safety net, designed to be easily accessible for unexpected life events. It's about combining liquidity with safety, ensuring you have immediate access to funds without sacrificing the security of your investment.

  • Checking/Savings
  • IRA — Cash Position
  • High-Yield Savings Accounts (HYSAs)
  • Health Savings Accounts (HSAs)
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Bucket 2:

Income

(Safety and Growth)

Our second bucket is focused on generating steady income while still allowing for growth. This blend aims to provide you with a reliable source of funds that keeps pace with inflation, ensuring your long-term financial stability.

  • Social Security
  • Pensions
  • Rentals
  • Annuities
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Bucket 3:

Play/Legacy

(Liquidity and Growth)

The final bucket is where we aim for higher growth, with the flexibility of liquidity. Whether it's for fulfilling dreams like travel or creating a legacy for future generations, this bucket focuses on achieving long-term goals with the potential for more significant returns.

  • Stocks/Funds
  • Real Estate
  • Alternative Investments

Retirement Income Planning

Unlike the working years, when you’ve likely drawn a regular paycheck, at retirement it’s time to pay yourself. Are you ready to tap into your savings in a strategic way so that you continue to create an income stream you won’t outlive? We can help.

Risk-Based Wealth Management

We offer a suite of services to affluent clients who are looking for a holistic approach to their financial future, all in one place. We’ll help you with comprehensive guidance to help reach the goals and dreams you’ve been envisioning.

Asset Preservation Strategies

We keep our eyes on the horizon so you can enjoy your retirement. We’ll design a strategy to help you minimize risk, including the risks of market loss, inflation or liquidity (not having cash accessible when you need it).

Social Security Optimization

Navigating the complexities of Social Security is crucial for your long-term financial well-being. We’re here to guide you through the ins and outs of your benefits, helping you make informed decisions that can significantly impact your utilization of this essential resource.

Charitable Giving

Strategic giving is a powerful way to support the causes you care about while aligning your financial goals. Our team is dedicated to helping you understand and craft a giving strategy that reflects your values and maximizes the impact of your contributions.

IRA/401(k) Rollovers

We can help you evaluate your current IRAs and 401(k)s to determine if a rollover is appropriate for your situation. Whether you’re looking to access the tax-advantaged options a Roth IRA provides, to consolidate accounts or to explore other savings avenues, we can help.

Life Insurance

Life insurance can play an important role in an overall financial strategy — both to protect yourself and your loved ones should the unthinkable happen and in some cases to help preserve your assets for future generations.

Retirement Tax Reduction Strategies

Taxes can take a bigger bite out of your retirement income — or your legacy — than you may be expecting. We can help you develop tax-efficient strategies that fit your overall financial plan, so more of your hard-earned dollars go to you and your loved ones.

Legacy Planning

How you approach your financial planning today defines what your legacy to your loved ones will look like after you’re gone. We can help you understand and employ strategies to help ensure your assets are passed to those people or causes you love.

Long-Term Care Strategies

For retirees, outliving good health can be both a mental and financial blow. Accounting for future long-term care needs not only lifts a weight off your shoulders today but can help your loved ones breathe a sigh of relief down the road.

We can also refer you to professionals who provide the following services:

  • Trusts

  • Probate

  • Charitable Giving

  • Estate Planning

  • Tax Planning

 

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. Stander Financial is not affiliated with or endorsed by the U.S. Government or any governmental agency.

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