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Financial Planning Process

Personal Relationship

At Sheehy & Molinelli we develop a personal relationship with you so that we can stay focused on your objectives. We help you understand our management approach and investment outlook throughout changing marketing conditions. As independent financial consultants, we seek out strategies to build portfolios that match your objectives and risk tolerance. Through portfolio reviews, we stay attuned to your ever-evolving financial needs and can make appropriate adjustments to your investments.

We believe our teamwork approach adds a broader perspective to all we do. Our team can help you through:

Retirement planning process

  • In-depth fact-finding to reveal retirement goals and income needs
  • Identification of sources of income to address cash-flow needs at retirement
  • Customized retirement plan that highlights cash-flow shortfalls
  • Specific action steps required now to set the course toward a successful retirement

Retirement planning analysis

  • Social security income options
  • Medicare and supplemental medical insurance
  • Life insurance needs
  • Beneficiary designations
  • Wills/trusts and medical directives
  • Legacy planning
  • Federal and state tax implications

Investment analysis

  • Review of existing investment holdings
  • Review of pension or 401(k) plan holdings
  • Evaluation of risk tolerance
  • Determination of income cash flow needs from dividends and interest
  • Design of portfolios suitable for current and future objectives

Your resource for timely information

  • Health insurance
  • Long-term care
  • Mortgage refinancing
  • Auto buy vs. lease decisions
  • College savings plan for children or grandchildren
  • Existing college loan refinancing options

Our experienced team has helped many people like you with similar issues and concerns. We specialize in creating an approach that is designed to address your individual situation.

*Financial planning services offered through LPL Financial, a Registered Investment Advisor.