Our Services
At DeLuca Financial Strategies, our goal is to deliver purposeful planning providing clarity and confidence to each of our clients. While developing a customized financial program, we will walk you through a step-by-step process that will help us understand your needs and preferences and help you feel assured in your short- and long-term financial decision-making.
From our discussions, we will develop a blueprint for you to follow and customize appropriate strategies to suit your vision and objectives. We will help you execute a sound financial program by utilizing the following services:
Life Goals Planning
Life goals planning begins with a complete examination and understanding of your current financial situation, including the following:
- Articulate your goals, defining your needs, wants and wishes
- Prioritize each of your goals
- Establish an action plan for pursuing your goals
- Regularly measure long-term progress towards reaching your goals
- Make adjustments as needed based on your changing needs and preferences
Holistic Financial Planning
We will thoroughly review your current financial situation and consider all areas of your financial life, including:
- Cash Flow Analysis and Budgeting
- Retirement Income
- Withdrawal Strategies
- Liability Management
- Health Insurance Options
- Disability Insurance Needs Analysis
- Survivor Needs Analysis
- Long-Term Care Analysis
- Asset Protection and Credit Monitoring/ ID Theft Considerations
- Estate Planning
- Small Business Succession Planning
- Real Estate Considerations
- Charitable Legacy Planning
Investment Management
In our practice, we concentrate our time and energy on variables which can be controlled and those that have the most pronounced effect on long-term real life returns. The following practices will help guide us in our long-term journey together:
- In-depth discussions about your tolerance for market volatility, including your past behavior as an investor in various markets
- From your risk tolerance preferences and using your financial plan as our guide, we will determine the mix of investment assets that attempts to maximize the likelihood of reaching your long-term goals without overexposure to risk
- Diversify the investment portfolio across the optimal asset allocation
- Rebalance the portfolio back to the target allocation as markets cause fluctuations in our target percentages
- Regularly scheduled reviews to be sure your investments and your plan are on track
Your holistic plan becomes the foundation for your financial future. Just as life changes rapdily, so should your financial plan. Our service to you includes regularly monitoring your plan to be sure you are on the right track to reaching your goals.