Blog Posts

By Marc C. Shaffer

Over the past few months, I have participated in six weddings. My guess is not a single one of the happy couples had Social Security spousal benefits in mind as they made the decision to merge their lives, both spiritually and financially. Social Security benefits may seem like less of a concern for these young couples; each of them has decades to go before reaching retirement age. However, for couples currently nearing retirement, the choices they make regarding Social Security can have a dramatic impact on their financial future.

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By: Marc C. Shaffer

As you and your spouse near retirement, have you considered if filing and suspending your Social Security benefits makes sense for your needs and lifestyle? You can only file and suspend benefits if you are at or above full retirement age, but the act allows your spouse to begin collecting spousal benefits, while your benefit accumulates delayed retirement credits. The ability to receive a higher monthly payout before activating your full retirement benefits is an attractive option to many couples, but it is helpful to have an advisor walk you through the specifics before you make a decision.

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By: Michael J. Searcy

When a law firm was told they needed to pay $40,000 into their cash balance plan to cover a non-highly compensated individual, they decided a financial second opinion might be beneficial. After meeting with an advisor that helped interpret the language they didn't understand from their actuary, they knew their second opinion request had paid off. They discovered they could classify the employee in a more appropriate way and need only fund about $2,000 to the plan!

Getting a financial second opinion could be one of the most important financial decisions you make this year. Sometimes the findings can solidify the fact that your current advisor is doing a great job, giving you peace of mind about the advisor you have chosen.

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By: Michael J. Searcy

Working with a financial advisor requires a great amount of "trust" on your part, but that trust should not be developed based on feelings and verbal promises. Real trust can be built when you follow these 6 guidelines for choosing a financial advisor.

Know their structure.
There is a difference between a stockbroker and a financial advisor. Stockbrokers are in the business of giving advice on investment vehicles, while financial advisors can help with both investment advisement and developing a financial plan to reach your goals. However, some financial advisors may be limited in ways they can help you based on their professional affiliations.

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By: Michael J. Searcy

When your children believe they are dealing with someone they know and trust, it can make them more vulnerable to undesirable situations. Did you know you can also fall victim to the "stranger danger" mentality of thinking that the only people who might cause you harm are people you don't know?

Some Reasons Why People Do Business with Friends Include:
• Friendships are built on trust so you feel that trust would carry over to business
• Their verbal propositions seem caring and genuine
• You believe their knowledge of the industry is equal to others
• They offer you "extras" that non-friends wouldn't receive

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We look at your personal and financial goals, financial freedom (retirement) planning, estate and asset conservation and insurance and tax needs to deliver a plan that will help you acquire, grow and preserve your wealth.

Our investment team implements rigorously researched investment strategies designed to help our clients acquire, grow and preserve their wealth. By understanding your preferences, appetite for risk, goals and your timeline, we select and manage an investment allocation specifically tailored to meet your needs. You can confidently delegate the detailed day-to-day task of portfolio management (which includes securities selection, trading, performance monitoring and responding to changes in the markets and the economy) knowing that your investments are being looked after.

The financial demands on your life as a physician will be unique in every stage of your career. We can walk with you as you navigate debt management, contract negotiations, asset protection, succession planning for your practice, insurance needs, and other professional challenges. Our strategies can help guide you through a fulfilling career and lasting legacy.

Planning for multi-generational families brings about unique financial concerns when you incorporate different viewpoints, backgrounds and goals. We help families approach uncomfortable issues such as wealth transfer, family foundation planning, and continuity while addressing emotional and psychological perspectives of family members.

We help you identify your specific retirement goals and develop a plan and strategy that can help you achieve them.

By understanding what a successful retirement plan looks like to you and your company, we will help you assess your goals to keep your retirement plan on track to benefit your business and employees. The heavy-lifting of the plan management becomes our responsibility, leaving you free to focus on the management of your business. 

We are committed to quality, support, and ethical business practices so that our Overland Park firm will be your choice for financial advisement.

Searcy Financial helps clients choose an appropriate claiming strategy while addressing life changes, such as divorce and its effect on Social Security.

The confusion associated with giving care to individuals with special needs can be overwhelming. We help families connect with resources, work to understand the prognosis, and get support to navigate Special Needs Trusts and asset protection. Our goal is to enhance the livelihood of you and your dependents, leaving you time to focus on living a full life and celebrating the gift of their presence.


The 5 Fundamentals of
Selecting the Right Advisor

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