Schmidt & Associates

College, Retirement, Estate Planning,
Insurance Evaluation & Consultation,
Including Nursing Home Plans & Medicare Supplements
All Forms of Money Management

Philosophy
Our objective is to help our clients reach their financial goals and protect them from unforeseen risks and occurrences that could prevent the completion of these goals. By applying SOUND INVESTMENT PRINCIPLES "AND" EXTENSIVE KNOWLEDGE, our office has been able to increase returns on invested money, reduce losses due to risk, reduce premiums on all forms of insurance and alert our clients to sound investment principles so they themselves can make investment and insurance decisions that fit their situation for their advantage. Relationships, sound planning and knowledge are the foundation of our outstanding reputation.

Consider
By the year 2000 and beyond, financial planning will have become an American Standard. The increasing public concern about saving for a home, college educations, retirement and estate planning are some of the factors that will motivate Americans to seek the services of a qualified and proven professional financial planner.

Unforeseen risks such as lack of, or gaps in medical plans, including Medicare, premature death, disability, poor pension and retirement planning, outliving one's income, or an unexpected stay in a nursing home can be financially devastating and can easily wipe out one's entire savings and assets. These situations can be planned for and protected against. Sound financial planning is now, more than ever, absolutely necessary to avoid these pitfalls.

The financial planners at Schmidt & Associates are independent financial planners, not captive to any one company or its products. Our opinions and advice are completely unbiased. It is most important for you and your family that the advice you receive on investments, pensions, and insurance is in your best interest and is not being suggested to fill a monthly sales quota, win an award, or a company sponsored trip based on sales amounts. Your plans should benefit you and your family, not the person suggesting them.

Our goal is to use every resource available to meet your particular needs for financial security. These resources not only include products and investment vehicles, but people. Certified Financial Planners (CFP's), Certified Public Accountants (CPA's), tax preparers, insurance professionals (CLU's & ChFC's), stockbrokers and attorneys. At times, one person may not have all the answers for our clients' concerns and questions. We have professionals knowledgeable in all areas, from basic insurance planning, such as auto and homeowners, to advanced tax and estate planning.

Be aware that today there are at least 72,000 planners nationwide - and that doesn't even include all the stockbrokers and insurance salesmen who just say they are. Trouble is, anyone can call her/himself a financial planner and almost anyone dispensing financial advice does. Your total needs cannot be met by someone with limited knowledge of only a few areas of financial planning. "If the only tool you have is a hammer, then every problem looks like a nail."

In keeping with the public's growing demand for the highest quality service, today's informed consumers are turning to financial planners with professional credentials, those with solid proof of their expertise in financial planning. One credential in particular - that of Certified Financial Planner (CFP), has earned a reputation among financial services professionals as the premier designation in the industry.