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 set up safe-guards to make sure you have opportunity to enjoy the assets you have earned. A Certified Financial Planner™ professional 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 achieve 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 make sure your heirs receive your estate exactly as you wish. A Certified Financial Planner™ professional will evaluate the existing estate and identify transfer intent. We will make recommendations to completely 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 create winning strategies when you can't afford to lose. A Certified Financial Planner™ professional 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 achieve investment goals.

Insurance Planning
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 put your mind at ease. A Certified Financial Planner™ professional will perform an insurance needs assessment, examine current life, home, auto, liability, long term care, and disability 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 provides an invaluable objective perspective. A Certified Financial Planner™ professional will 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 reach financial goals. 

Tax Planning
We believe an important component of asset preservation is tax efficiency. A Certified Financial Planner™ professional will evaluate investments and income streams for tax efficiency, examine opportunities for leveraged gifting, analyze two years’ tax returns, and craft a tax harvesting strategy with the intent of reducing overall lifetime taxes. Implementation of the tax strategy will require interaction with the client’s tax preparer.

Business Consulting
We have the expertise available to assist our clients at each stage of their business. From drafting the initial business plan, locating financing and real estate, establishing retirement plans, to structuring and finally selling your business.

Charitable Giving
Giving back to the community is an important aspect of social responsibility. We help our clients focus their giving to maximize the after-tax return to the donor and increase the benefit to the recipient.