WHY EAST COAST FINANCIAL OF CENTRAL FLORIDA?

When it comes to investing and financial planning, choosing the right advisor is like choosing the right medical professional: You must trust the professional has integrity and the necessary expertise to provide advice worth taking. Many claim to be professionals, but there are few financial advisors with the level of expertise, as effective a holistic financial planning process and array of insurance and investment choices, whom provide the personalized care and individual attention as East Coast Financial of Central Florida, LLC.

Hollistic Financial Planning

Many experienced financial planners charge retainers and fees for professional financial advice similar an attorney for professional legal advice. Our Certified Financial Planner charges no fees charged to clients for these services – the first step begins with a complementary review!

We’ll take as much time as necessary to go over all of your current financial standing, current and future needs, timeline, retirement goals, other pertinent information to help develop a customized strategy that’s tailored specifically to you.

Investment Advisory Services

We pride ourselves on our unique Premier Managed Advisory Program. One of the key points that separates our program from other investment advisors’ is our unique macro-driven business cycle approach led by our experienced portfolio manager, combined with his investment analysis and selection process. As you read through the rest of this page you will learn more details, but you will learn the most by signing up below for our first complementary review and introduction!

What are fixed and Fixed index annunities

With a fixed annuity, the insurance company guarantees both your rate of return and/or guaranteed lifetime income option. Not only is your investment protected, but the insurance company will also pay a specified rate of interest on that investment during the time that your earnings are growing. A fixed index annuity shares similar features with fixed annuities; however, with an indexed annuity, the annual growth is bench-marked to a stock market index (e.g., Nasdaq, NYSE, S&P 500) rather than an interest rate. With this type annuity, your investment will grow at either the guaranteed minimum rate of return, or the return from the specified stock market index, whichever is greater.Your investment will never drop below your principal and your new annual investment will be locked in. As shown in the chart below, this new annual investment value will be your new account value.

FIXED INDEX  annuities are a secure, reliable source of sustainable, lifetime income. Unlike other investment products that are vulnerable to market fluctuations and other risks (including variable annuities).

Financial Planning & Wealth Management Expertise

LET YOUR FIXED INDEX ANNUITIES GUARANTEE YOUR INCOME WHILE PARTICIPATING IN UP MARKETS & ALLOW US TO HEDGE INFLATION WITH AN INVESTMENT STRATEGY UNIQUE TO YOUR PLAN IN ONE OF OUR MANAGED MONEY ACCOUNTS. PLANNING IS ABOUT BALANCE AND WE CAN PROVIDE THE BEST OF BOTH WORLDS TO PROTECT YOUR HARD EARNED MONEY.

PROFESSIONAL MONEY MANAGEMENT - HEDGE INFLATION AND GROW ASSETS

Determining if managed money is a good option for anyone reading this, without more information, is impossible. For many reasons, we feel that professional managed money is becoming more popular in place of brokerage accounts where commissions are paid on each transaction. Some advantages of a managed money account are:

  • Potentially lower fees compared to brokerage transactions or variable annuity alternatives
  • better alignment of advisor-client interests through an asset based fee, rather than commission per transaction
  • Allows professional investing autonomy not bogged by transaction costs
  • Lower up front fees vs. many brokerage account share class commission rates
  • Professional money management
  • Provides hedge against inflation
  • Many investment choices, flexibility and investment options

A good advisor will consider the qualitative factors, such as: risk tolerance, goals, investment experience, investment horizon and the quantitative factors, such as: assets, liabilities, income and expenses. All of this will be determined during the financial review and will help determine the need for professional money management.

Unlike brokerage accounts where commissions are charged on every transaction, managed money accounts charge a flat percentage of assets based fee (normally 1-3%, closer to 1.4-2.25%). Managed money accounts are setup as wrap accounts, meaning investments are “wrapped” inside this one account and charged a quarterly or annual asset under management fee on all assets.

We live in what’s been coined a New Normal global economy, where the relatively high “buy & hold” investment returns are expected to be lower in the years to come. Therefore, there’s a need for solid money managers like us, with the ability to trade as little or as much as necessary, around a tailored investment objective without generating unnecessary commissions.

WHY EAST COAST FINANCIAL OF CENTRAL FL

When it comes to planning for your future, choosing the right partner is essential. While there are plenty of options available to you, none of them will provide you with the level of personalized care and individual attention as East Coast Financial of Central Florida.

We’ll take as much time as necessary to go over all of your current and future needs, timeline and goals for retirement and any other pertinent information to help develop a customized strategy that’s tailored specifically to you.

Faq 's

Planning Today for Tomorrow? When you are planning for retirement income, would you like a maybe? Or a definite Yes!

Annuities are funded with either a single payment or a series of payments called premiums. Over time, the money in the annuity continues to grow, either via interest (fixed) or based on performance of the specified market index.They avoid probate and also are protected from bankruptcy.

The income stream from a fixed index annuity is guaranteed with an income rider because it’s backed by the issuing insurance company, which makes this type of investment product low-risk and high reward,will payout income for life if owner and/or spouse together.

Based on your personal needs and goals, a fixed indexed annuity may make a nice addition to your overall retirement strategy. Of course, as with any other type of financial decision, consulting with an expert first is advised. The experienced team at East Coast Financial of Central Florida is prepared to assist with all of your financial planning needs, including but not limited to retirement planning.

The first step is scheduling an initial consultation. Your future depends on it!

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