Individual Clients

At the heart of each client relationship at Brooke & Schafer is a customized investment strategy that is tailored to meet your specific financial goals based on your individual risk tolerance. Our comprehensive approach to managing your wealth gives your family the security that comes with knowing you have planned financially for every stage of life. Typically, we begin by developing a plan to build wealth for retirement or college for your children. Protecting your quality of life becomes very critical as you raise a family. Near retirement age, concerns often shift toward preservation of accumulated capital and ensuring your income needs are protected for life.

Although some financial issues may seem more relevant later in life, addressing them early allows for the power of compounding to work for you sooner and could make a huge difference in achieving your financial goals. It is important to take the necessary steps early to plan for building wealth properly. Brooke & Schafer can help create a roadmap toward achieving your financial goals and protecting you against unforeseen events.

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We specialize in the following services for our individual clients:

Financial Consulting - advanced planning services to help you prepare for life’s many changes

  • Comprehensive financial planning
  • Retirement planning
  • Social Security claiming strategies
  • Specific needs financial planning (college funding, charitable giving, significant purchases, etc.)
  • Divorce planning
  • Small business planning
  • Eldercare planning
  • Tax planning

Financial Advisory - as “active-tactical” financial advisors, we use our internal 'Market Trend Analysis' to identify opportunities to benefit our clients’ portfolios

  • Investment advisory
  • Portfolio management
    • Self-directed IRAs
    • Roth IRAs
    • Individual accounts
    • Distribution/rollover consulting
  • Asset allocation design

Investments – experience and knowledge to help you understand the complex world of investment options. We use a wide range of investment products to develop a portfolio designed to help meet your financial needs.

  • Mutual funds (all types)
  • ETFs
  • Stocks and bonds
  • Annuities (variable and fixed)
  • Money markets
  • Alternative investments

Eldercare Planning – personalized strategies to help protect and preserve your assets, and help cover the cost of long-term care and reduce emotional and financial stress

  • Planning strategies for retirees and special needs children
  • Pre-planning strategies
  • Long-term care insurance
  • Combination insurance long-term care policies
  • State long-term care Insurance Partnership Program
  • “Crisis” planning strategies for individuals already paying for long-term care
  • VA Aid & Attendance pension benefit planning
  • Medicaid benefit planning

Risk Management – adequate insurance coverage for death, disability, medical expenses, and long-term care to help protect the financial well-being of your family

  • Life insurance
  • Fee-based life insurance
  • Long-term care insurance
  • Disability insurance

Social Security – A critical component of your retirement income. We help our clients understand the claiming rules and develop a strategy to get this most out of this program

  • How the Bipartisan Budget Act of 2015 impacts claiming options
    • Voluntary Suspension – People born after April 3o, 1950
    • Restricted Application – People born after January 1, 1954
  • Impact of filing for benefits early (age 62), at full retirement age, or delayed (age 70)
  • Individual Benefits
  • Spousal Benefits
  • Survivor Benefits (widows, widowers, and children)
  • Divorced Spousal Benefits
  • Claiming strategies to maximize your:
    • Annual benefit
    • Lifetime benefit (based on life expectancy)
    • Survivor benefit
  • Calculate Social Security benefit offset provisions for those with certain governmental pensions
  • Incorporate Supplemental Income to complete your retirement income strategy

Tax Planning – professional guidance and comprehensive solutions for your ever-changing financial needs

  • Investment tax credits
  • Tax deferral programs
  • Passive losses
  • Investment write-off
  • Charitable trusts