Our Services
 EST Financial Group specializes in creating and serving financially conservative clients. Below are some of the areas where the expertise of our team is frequently sought.
Retirement Planning
Our clients have worked far too hard in life to risk having their retirement income limited by market fluctuations. As we help you plan for retirement, we help establish safe-guards to help provide you an opportunity to enjoy the assets you have earned. We will help you identify your retirement goals, evaluate Social Security and pension benefits, strategize for required minimum distributions, build an income strategy, make recommendations that consider timing and tax implications, and create a prioritized plan of action to help you toward your retirement goals. An investment analysis may be a prerequisite. Estate Planning
We believe "A good man leaveth an inheritance for his children's children" and work closely with legal counsel to help your heirs receive your estate exactly as you wish. We will evaluate the existing estate and identify transfer intent. We will make recommendations to help avoid probate, minimize income, gift, estate and generation skipping taxes, and create a succession plan to transfer control. We will communicate your intent to your attorney and review the estate planning documents to verify your intent was filled. Implementation of the estate analysis will require the services of an attorney at additional cost. A personal financial analysis may be a prerequisite. Investment Planning
We design long-term financial solutions for conservative investors. Whether you are planning for an heir's education, saving for retirement, or preserving an estate, we help create financial strategies. We will help you identify your investment goals, analyze current financial holdings, evaluate tax efficiency and risk-adjusted return, make recommendations, and create a prioritized plan of action to help achieve investment goals. Personal Risk Management
We realize that comfort with risk varies dramatically from individual to individual. We help you identify which risks you are willing to endure, which risks make you uncomfortable, and help you identify the insurance necessary to help you gain a sense of security. We will perform an insurance needs assessment, examine current life, liability, long term care, and disability income insurance policies, make recommendations, and create a prioritized plan of action to adjust insurance coverage. Personal Financial Planning
We believe everyone can build a secure financial future and that professional guidance helps provide an invaluable objective perspective. We can help you identify your financial goals, analyze cash flow and assets, build an income statement and net worth statement, create a spending plan, and create a prioritized plan of action to help you reach your financial goals. Estate Planning/Tax Reduction Strategies
We believe an important component of asset preservation is tax efficiency. We will evaluate investments and income streams for tax efficiency, examine opportunities for leveraged gifting, analyze two years’ tax returns, and work with your tax professional to craft a tax harvesting strategy with the intent of reducing overall lifetime taxes. Implementation of a tax reduction strategy will require interaction with the client’s tax preparer. Business Owner Planning
We have the expertise available to assist our clients at each stage of their business. From drafting the initial business plan, establishing retirement plans, to structuring and finally selling your business. *Exit planning offered through third-party resources. Charitable Giving
Giving back to the community is an important aspect of social responsibility. We help our clients focus their giving to potentially maximize the after-tax return to the donor and increase the benefit to the recipient. Financial Planner in Maryland and Delaware. Serving Salisbury and the surrounding areas on the Delmarva. Lincoln Financial Advisors Corp. and its registered representatives do not offer tax or legal advice. Individuals/Business Owners should consult their specific tax and/or legal professional regarding their specific circumstances.
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