Financial Planning

We believe that life is more than a paycheck and our mission is to ease your worries and help you create a sound and stable financial strategy for your retirement.

As Part of The Tutor Financial Advisors, LLC. process, we'll help you create a retirement income plan that balances:

Daily Living Expenses
Budgeting for Luxuries & Quality of Life
Planning your Social Security Benefits for Maximum Results (Social Security can add $1M to your retirement fund)
Factoring in Pensions Withdrawal Strategies
Factoring in both Expected & Unexpected Medical Expenses
Planning for the Unexpected and the Inevitable

Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?

We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions. We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.

At Tutor Financial Advisors, LLC. you will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.

One overlooked aspect of estate planning, other than avoiding taxes, is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making its way through the courts, are all vital pieces of your plan. Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes.

Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?

We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions. We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.

At Tutor Financial Advisors, LLC. you will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.

One overlooked aspect of estate planning, other than avoiding taxes, is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making its way through the courts, are all vital pieces of your plan. Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes.

QUALITY PRODUCTS FROM EXCEPTIONAL COMPANIES:

Accordia Life - Lincoln Financial - North American - Great American

Allianz - Baltimore Life - American Equity - Equitrust

Insurance Services

With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.

We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.

If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.

If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.

This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.

With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.

We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.

If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.

If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.

This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.

CHOOSING A FINANCIAL ADVISOR
ISN'T EASY, ESPECIALLY IN TODAY'S
COMPLEX ECONOMIC ENVIRONMENT.

smiling african american mother in military uniform with her lit

WE OFFER A FULL RANGE OF FINANCIAL
PLANNING, INVESTMENT, AND WEALTH
MANAGEMENT SERVICES.

Portfolio Management

Our tailored and professional approach to portfolio management will help guide you to the appropriate investment strategies and support us in creating a portfolio that is consistent with your goals and risk appetite. To keep your investment strategy current, we maintain an open dialog with our investment partners and regularly monitor your portfolios.

Investment Philosophy

Estate Planning

Estate Planning, often referred to as Generational Planning, is an integral part of the Financial Plan. This may include taking care of family and friends, selling a business, bequeathing financial assets and real estate, or making contributions to philanthropic institutions and causes. Whatever your goals, the most important things are building a comprehensive financial plan and taking action that is consistent with your objectives.

Intergenerational Transfers

Individual & Household Budgeting

We'll help keep you on track! Budgeting is an important aspect of the financial management process. It helps you to see where you are spending money today and where you can make changes to your spending, saving and investment behaviors. We will work with you to identify challenges and opportunities to reach your goals and provide you with technology to make it easy for you to monitor your progress.

Realistic Budgets

Retirement Planning

Life changes and so might your retirement plans. Today’s retirement is more likely to be a series of transitions versus a single change in your lifestyle. The world is changing at a pace never seen in human history, and the financial markets are becoming more complex. How do you determine what will allow you to have enough money to take you through the entirety of your retirement years?

2022 IRA Contributions

Insurance Planning

Will you need insurance as part of your retirement strategy? Will there be enough money to cover additional health care costs such as long-term care? Will you need extra income? These are just some of the questions that come up while preparing for your financial well-being and retirement. We will work with you to determine the best possible strategies for your needs, including insurance.

Is Your Family under-insured?

How Can We Help You?

No matter your needs or goals, Tutor Financial can help come up with a plan that fits your situation. Book a no-obligation consultation and find out how we can help you.

Schedule an appointment