Financial planning includes many, many things ... not just your investment portfolio! To that end, we have created this web page to be a resource in assisting you with each area of your financial life. Each month we will explore one of the components and will also introduce you to a trusted strategic partner who is an expert in that field. The Financial Team offers a depth of experience and knowledge and wants to be your concierge for "all things financial."

Component Planning Topic of the Month - Real Estate

Last month rates on 30-year fixed mortgages dropped to an average of 4.32% - a new low for the year. When it comes to real estate, it's still a buyer's market, especially with such low interest rates. Now is a great time to take advantage of this diversification opportunity for your portfolio whether it be as an investment or somewhere you want to live.

To maximize returns, consumers know they need to get the best price possible when buying a property. A good real estate agent has knowledge of the local market and what constitutes a fair price. They will represent your interest in the negotiations and work diligently to coordinate all parties throughout the process to help ensure a smooth transaction. These are just a few of the critical areas that an agent can save you time and money. If you're exploring a "FSBO" in what has become a buyer's market, we strongly suggest you at least speak with us or a seasoned realtor to help understand the true costs and liabilities you create when trying to do it yourself.

Business Specialist of the Month

Tracy Sharrar

Many real estate agents take a transactional approach to sales - identifying clients, closing the deal and moving on to the next sale...and somewhere along the way your needs are left in the dust. If that's not appealing to you and you are looking for an ally in this complicated process who will devote herself to serving your needs, then you need to get in touch with Tracy. Tracy's business model is like The Financial Team's in that she works mostly with referrals from satisfied clients or strategic partners. This boutique approach allows her to focus on you instead of spending a lot of time beating the sidewalk to find new clients. Tracy prides herself on providing exceptional service before, during and after each and every sale. We are happy to provide an introduction or feel free to click here to take a look at one of her current listings.

Banking Rates

If you have liquid funds that are earning next to nothing and have been waiting for rates to bounce back, please let us know and we can provide you with possible alternatives, some of which are FDIC insured.