Specialized Financial Planning

At Foran Financial Group, we take financial planning seriously. 

With over a combined 37 years behind us, we’ve got the experience to help you with whatever financial challenges you may face.

We’ve also invested in advanced education and training so we can best serve you.  Our financial planning credentials include:

CERTIFIED FINANCIAL PLANNER™ professionals

Certified Divorce Financial Analyst (CDFA®)

Chartered Special Needs Consultant (ChSNC®)

Retirement Planning Specialists

Retirement planning is far more difficult today than it’s ever been.  Previously, most people received a pension.  Then, you could also roll your stocks into bonds that were earning good interest rates.

Today, pensions are rare and interest rates are near generational lows.  In addition, people are living longer, meaning your retirement nest egg may need to stretch farther.

At Foran Financial Group, we’re retirement planning specialists.  We not only help you while you’re accumulating for retirement; we help you create smart distribution strategies.  That simply means we also focus on how and where you will draw your income in retirement.

What can smart retirement income planning do for you?

  • Help you carefully manage risk as you transition from generating an income to living off of your assets
  • Help you identify the most tax-efficient* way to draw from assets, to help your money last longer
  • Help you keep your assets generating return for you in a safe manner
  • Help you stress-test your income based on different scenarios, so you’re prepared, not surprised

*While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters.  You should discuss tax or legal matters with the appropriate professional.  

Divorce Financial Planning

If you find yourself going through a divorce, it’s a difficult time.  Your financial future may depend upon you making the right decision, but your emotions don’t usually make that easy.

That’s where we can help.  Our team includes a Certified Divorce Financial Analyst (CDFA®), and we’ve helped many couples work their way through the financial side of the separation.

We can also represent you individually, and help to look out for your best interests throughout the proceedings.

This full-service help at a critical time can help you move forward with confidence. 

Special Needs Financial Planning

Financial planning for a special needs child requires a very high level of diligence.  Incorrect assumptions or faulty projections can have devastating consequences.

At Foran Financial Group, we’ve helped many families plan for the financial needs of their special needs child or family members.  Our team includes a Chartered Special Needs Consultant (ChSNC®).

Additionally, our partner firm, Raymond James, offers a unique Special Needs Trust that can often be a very cost-effective solution to getting the protection and administration you need.

We’re well versed in all of the aspects of special needs financial planning:

  • Special needs trusts
  • ABLE accounts
  • Making the most of government programs
  • Estate planning considerations for a special needs child

We’ll work closely with your special needs estate planning attorney, or we can recommend one.  Regardless, we’ll remain involved to help ensure everything is implemented properly.

At Foran Financial Group, we’re retirement planning specialists.  We not only help you while you’re accumulating for retirement; we help you create smart distribution strategies.

Let Us Assist You.

We’ve helped many families plan for the financial needs of their special needs child or family members. Our team includes a Chartered Special Needs Consultant (ChSNC®).