Our Services

Financial Planning
 
Longleaf Financial Advisors, LLC offers independent and objective financial planning for people from all walks of life.  We work with clients on their terms – providing just as little or just as much help as they need or want - from one specific issue to an entire comprehensive plan covering all facets of their financial life.
 
Longleaf Financial Advisors, LLC provides planning services in the following areas:
  • Retirement Planning
    • Retirement plan reviews, projecting the amount in your plan account at retirement based on expected contribution levels and other factors
    • More detailed “what-if” scenarios, creating models of cash flow projections, to better understand the likelihood you can retire at a certain age, and a certain standard of living
    • Personalized analysis of such questions as optimal timing for taking social security benefits, Roth versus traditional IRAs   
    • Strong emphasis on a client-interactive goal-setting process
  • Comprehensive Portfolio Analysis
    • Asset allocation analysis of your current portfolio, with recommendations for changes that may be indicated, based on your goals and objectives and your tolerance for risk in the financial market place
    • Analysis of your portfolio’s historical and ongoing rate of return – Can you do better?
    • Ongoing monitoring of your investment portfolio, typically on a quarterly basis
  • Estate Planning Review
    • Ensuring the proper estate documents are in place, such as wills and powers of attorney
    • Ensuring that assets are titled correctly, consistent with your estate plan
    • Estate planning strategies
  • Insurance Needs Review
    • Life, disability, and long-term care insurance reviews and recommendations
  • Education Funding
    • Options available for funding this major expenditure based on your income and your children’s ages
    • Analysis of 529 Plans, UTMA/UGMA accounts and other savings plans
  • Income Tax Planning
    • Income tax projections and tax reduction strategies are an integral part of the planning process
  • Financial Checkups
    • As your life and needs change, we will work with you to update your financial objectives and plans
 
Investment Philosophy and Process
 
Philosophy
 
LFA believes that appropriate asset allocation across diverse investment categories is a key determinant of portfolio returns.  LFA employs fundamental, long-term buy and hold strategies with periodic portfolio rebalancing, principally through the use of mutual funds.  Passive investing through the use of index funds may also be recommended.  Recommendations are based on publicly available reports and analyses, academic research materials, computerized asset allocation models, and various subscription services such as Morningstar for mutual fund evaluation.
 
LFA also understands that investment costs, such as transaction costs, commissions and advisory fees, reduce investment returns and therefore LFA evaluates all investment programs with this in mind.
 
LFA does not sell any type of investment product, nor does it earn any type of commission or referral fee.
 
LFA provides objective advice with a strong emphasis on client education.
 
Process
 
LFA does not provide an “assets under management” service and therefore does not have custody of client assets.  Accordingly, clients either have an existing relationship with an investment company that manages their assets or direct their own investment portfolios.  In either case our job is to analyze the historical investment performance, review the current asset allocation and portfolio holdings, and make recommendations. For clients with an investment company relationship, we offer an independent second opinion that will provide the client with valuable information to better manage the existing relationship, which we respect.  For clients who manage their own assets, we can help them determine if they are earning an acceptable rate of return and can recommend changes to their portfolio as appropriate.  We can also help clients set up and maintain their own accounts.
 
            
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