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Financial Planning Services
In addition to our Group Insurance and Retirement
Plans employee benefit offerings, Roussel & Associates financial advisors provide a range of financial
planning services for individuals that encompass:
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Comprehensive Financial Plans |
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Professional Asset Management |
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Risk Management |
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Estate Preservation |
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Wealth Transfer Strategies |
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Business Succession Planning |
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College Planning |
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Financial Planning—Our 3-Step Approach
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2. Implementation |
3. Support |
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Assess your overall finances and develop a personal financial snapshot
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Categorize your investments by tax treatment and asset style. (Tax efficiency/Asset
allocation matrix) |
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Listen carefully and discuss your short and long term financial objectives. |
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Develop various options that would allow your financial goals to be achieved. |
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Input your financial data into our planning software to present how prepared you are
for retirement based upon today's assumptions. |
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We educate you on how the investments work. We show you what types of investment vehicles
are available and which ones are compatible with your risk tolerance. |
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Look for ways that wealth is being transferred out of your investible assets. |
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Assess risk management: What are the chances you could die too early, become disabled
or live too long? |
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Coordinate other investments such as 401k and stock accounts to provide recommendations. |
 
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Based upon your decisions and risk tolerance, we implement the appropriate
financial plan to achieve your retirement objectives. |
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Implement strategies that fit the family budget and take care of dying too soon, becoming
disabled or living too long. |
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Coordinate funding into retirement vehicles that are a part of their financial plan. |
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If you desire, we can transfer existing assets to Roussel & Associates for future
management. (Brokerage Account, Individual Stocks, IRA, etc.) |
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Set appointments to meet with other professionals, such as CPA's and attorneys to complete
the financial plan. |
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Provide ongoing personal consultation as needed to help with your daily
financial decisions. |
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Conduct annual reviews to accommodate changing life situations and market conditions. |
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Continue to educate you about changing laws and regulations affecting retirement planning.
Educate through annual reviews and information posted on our website. |
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Put you in contact with other professionals such as mortgage brokers, CPA's, and attorneys,
as situations change in your life. Be a resource center for any and all financial decisions |
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Inform you about changes in their investment funds. We constantly watch for manager
changes and style drifts in mutual fund investments. |
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Help you evaluate changes in other investments, such as new funds added to your company’s
401k. Coordinate those new funds with your established plan and goals. |
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Assess changes in company benefits, such as group disability and cafeteria plans. Minor
changes in benefits can have major effects on individual financial plans. |
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Help you achieve and meet annual goals, such as saving for a second home, boat, car
or a child’s college education. |
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Continue to build a strong individual relationship with you and your family and assist
with any arising situations. |
Try Our Glossary of Financial Planning Terms
If you’re confused by any of the financial planning lingo you hear, use our Glossary
to help. And try any of our 20 helpful Calculators to get a quick read
on your personal finances:
Our Financial Planning Partner—Woodbury Financial
Roussel & Associates is affiliated with broker/dealer Woodbury Financial Services
that helps us, as an independent firm, provide the highest level of financial services to our clients.
Securities and Investment Advisory Services offered through
Woodbury Financial Services
Member, NASD, SIPC
P.O. Box 64284
St. Paul, Minnesota, 55164
651.738.4000
Steven R. Roussel, Christopher J. Hartnett and Brandon P. Bourque of Roussel & Associates
are Registered Representatives.
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