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For Families


The Problems


Many families struggle to achieve financial freedom and security, leading to stress, anxiety, and feelings of frustration and hopelessness. Without the necessary knowledge and expertise, managing finances can be a daunting task, and families often feel overwhelmed trying to keep up with bills, debts, and other financial obligations while making little progress towards their long-term financial goals. The worry of unexpected expenses or emergencies, such as medical bills or home repairs, can further strain finances and lead to a sense of insecurity.

The Challenges


Managing finances can be a struggle if you lack the necessary expertise and knowledge, leading to feelings of uncertainty, frustration, and insecurity. Without a clear understanding of how to manage finances effectively, you may feel like you're constantly juggling bills and financial obligations while making no progress towards long-term financial goals. This can leave you feeling uncertain about where your money is going and unsure of how to plan for your family's financial future. Unexpected expenses or emergencies, such as medical bills or home repairs, can add to the financial strain and create further worry.


Empower Your Family's Financial Future with Silverling Financial

At Silverling Financial, we provide families with the personalized guidance and support they need to take control of their finances and achieve financial freedom. Our team of certified financial planners™ takes a results-focused approach to help you develop a customized plan that aligns with your unique financial goals. We take a personalized approach to financial planning, developing customized plans that align with your family's unique goals and values. We offer comprehensive financial planning solutions to help you achieve financial clarity, including budgeting strategies, debt management, and investment planning. Our empathetic approach means we never judge or make assumptions about your situation, but rather listen closely to your concerns and work with you to develop a financial plan that works best for your specific circumstances. With Silverling Financial, you can gain peace of mind knowing that your family's financial future is in good hands.

  • Can a financial planner help me manage my 401k?
    Yes. This is one of the great values we bring to clients, helping them not only manage the retirement plans they have at old jobs, but also managing the ones they have at current jobs. All your retirement accounts should be thought of as being in suitcases; you can pick them up and take them wherever you want. They are yours, and there are expensive and inexpensive ways to manage them. So don’t just go and consolidate your accounts. Talk to us first. There are some very easy ways to save significant expense, and many similarly easy ways to create additional growth (often without increased risk).
  • What can you do for me that I can’t do for myself?
    Most people carry around “the weight of the undone,” or the guilt of not having gotten to it yet, or whatever you want to call it. It’s really not so much a question of “can you do it.” If you want to put in a lot of time and effort and make financial planning and management your main thing, you can probably do it. But most people don’t want to do that. Hire what you either don’t have time to do, or what you’re not great at, or both! We create affordable options for people at any stage of the game to get started, to organize their accounts, to create confidence in their strategy, and to design a cohesive plan.
  • What is a fiduciary and why is it important?
    A fiduciary is a person who has a professional obligation to put the interests of their clients before themselves. We are CERTIFIED FINANCIAL PLANNERS™ or CFP®’s, and, by definition, act as your fiduciary. It is crucial that when you hire a planner to help you with your financial life, he or she be a fiduciary. It’s really the only way to know whether they are actually doing this or not.
  • What is the difference between a financial planner and an advisor? Financial Planner vs Advisor?
    Advisors try to create investment returns to help people have enough to stop working at some point. Planners do the same thing, only they take into account all the variables that can potentially impact that effort. You may have heard the saying “it’s not what you make; it’s what you keep.” A planner helps with cash flow, risk management through all types of insurance, investment management, tax planning strategies, retirement income and planning strategies, and estate planning. As you can see, an advisor generally helps with only one, maybe two, of those areas. A planner – a CFP® – helps far more comprehensively, dealing with not just returns, but all the areas that together determine successful financial outcomes.
  • What are the six areas of planning that a financial planner helps people optimize?
    In priority order from basic to advanced, cash flow management, risk management (insurance coverages, etc.), investment planning, tax planning strategies, retirement planning strategies, and estate planning. I would add that a good planner also consults on the effective use of debt (kind of a combo of cash flow management and risk management), how and when a guaranteed income may be an appropriate solution (kind of a combo of risk management and retirement planning), Business transition strategy (how to sell, transfer, and structure a business transition deal), and being strategic about other types of investments including real estate and small business venture capital investments.
  • Should I hire one person as an accountant, an attorney, and financial planner? Or should each be separate?
    Separate. Some companies are big enough to have a tax division and an investment division. There are also some professionals who claim to be able to do everything. Generally, in almost every situation, you should have three people, one for each role. For example, as a financial planner, I am not an accountant and I am not an attorney, and everything I say about those two fields is not final and should be checked against an expert in that field. That said, I often consult together with accountants and attorneys (and often insist on it) and am very familiar with what they do, what it costs, and what structure may be best in a given situation.
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