Financial Planning
Goal-based Financial Planning Firm
Don’t leave you and your family’s financial freedom to chance. Croker group is a wealth management consulting and insurance solutions firm that works with you to dissect your overall portfolio to identify any inefficiencies and gaps. Once our financial professionals have analyzed your current portfolio, they build out a custom list of services and products to help you achieve your specific goals. Talk with an advisor today!
After analyzing our client’s current financial status, some clients see a 50% chance of financial success probability. Our question to them: If you go skydiving, and your parachute has a 50% chance of opening, are you going to jump?
What sets our Advisors Apart From the Rest?
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In this day and age truly anyone can buy a mutual fund, but what sets Croker Group apart is our advisors are fiduciaries, which means we have to do what's in your best interests at all times. We have a unified vision with our customers. With our fee-based models through Lincoln Investment, as your account grows, we grow with you. Some other advisors may operate under a suitability model, where they might get paid an upfront commission and future service may suffer. Which model would you prefer?
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Our advisors use complicated computer algorithmic software to generate millions of scenarios in the market to produce the probability of our goal-based plan being successful. These simulations give us an idea of which levers we have to pull to get you to your goal. The levers may include saving more, spending less, investing more aggressively, or investing in different places.
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Our advisors build customized portfolios depending on where you live. If you're in Omaha, Nebraska, we can build you a bond ladder with Omaha Municipal Bonds. If you're in Iowa, we can build you a Des Moines municipal bond ladder. These are examples of what we can do for our clients. We have clients where we develop a personalized plan, with strategic investments, not cookie-cutter portfolios that are not unique to your goals. Our goal as advisors when building our clients’ portfolios, is to sit down and learn about you, your family, your goals, the timeline of the goals, and what we can both do to help you achieve those goals.
Time in the Market Over Timing the Market
Your best friend is time in the market, not timing the market. Our job is to increase our clients’ net-worth. While we think it’s good for people to have discretionary accounts to play with stocks, cryptocurrency, etc, it’s more important to put money into diverse accounts and let compound growth in a variety of markets develop your core assets. You might have many questions like, should I invest in international funds? What investments are available without market risk? When should I start getting into bonds? Which bonds should I get in? Does the tax bracket I’m in have any affect on which fund I choose? These are all very important questions that our financial advisors can work with you to best accomplish your goals.
*Diversity does not guarantee a profit or protect against a loss.
Market and Geo-political Volatility
“Be fearful when others are greedy, and be greedy when others are fearful.”
— Warren Buffet
This Warren Buffet quote couldn’t be more relevant for today’s high market volatility and extreme risks. There will always be macro and geo-political economic risks such as 9/11 in 2001, the housing crisis in 2008, Covid-19 in 2020, and conflict between Ukraine and Russia in 2022. History shows us that times of great uncertainty and high volatility may be prudent times to invest and stay invested. Having proper allocations and hedges are vital toward long term success.
*Past performance is no guarantee of future results
How we leverage your risk
Our most fundamental practice at Croker Group Wealth Management is our ability to leverage your short-term risk to help achieve your long-term goals. When we talk about short-term risks, we’re talking about the commodities you must have in life like home insurance, auto insurance, and life insurance. We analyze these products and ask questions like, do we have the proper liability coverages? Do we have the proper face amounts? Are these products funneling money away in certain areas? We review the products you must have to put you in a position to either save money or be better protected for the money you are spending. Our advisors then work to leverage these leftover savings into other investment products like an IRA, Roth IRA, or another piece of your long-term financial plan. We put you in a position to help you succeed, whether that’s with our firm or another firm. We always have you and your family’s best interests in mind.
Talk with one of our advisors about your goals
Everyone has their own goals and ambitions in life. Some people have a goal to travel every year or own a beach house one day. Others have goals to pay for a grandchild’s college tuition or to leave their family as much money as tax-efficiently possible. Whatever your goals, we have a systematic plan to strategically help you get there. Talk with one of our financial advisors today!