Stivers Financial Services believes that there are three distinct investment cycles that most people move through during their financial lifetime:
- Accumulation: Putting money away weekly/monthly/etc. for a future need
- Preservation: Protecting the money that you have accumulated
- Distribution: Beginning to take money out of what you have accumulated
Brian believes it is necessary to evaluate the associated risk of each investment strategy that his clients use, in light of the investment cycle they are in. It is a core planning philosophy of his that clients should not take any more risk than necessary when working towards their retirement.
Services provided to evaluate risk:
- Client Risk Tolerance Analysis
- Current Portfolio Risk Analysis
- Risked Managed Portfolio Analysis
- Fixed Annuity Analysis
Investment Management Planning
Since 1992, Brian Stivers has commonly discovered that many retirees continue to invest in ways that conflict with their Risk Management Planning. Therefore, Stivers Financial Services believes it is essential to assist clients in aligning the investments and strategies that they recommend with the risk and life stage of the individual client. A wide range of investment strategies will be evaluated to achieve these goals. \
A cornerstone of financial planning is the recognition that everyone’s economic and life situation is unique. Personalized service is essential when matching clients with the right financial products and services. Informed decisions about the products in any portfolio are best made after an assessment of individual needs.
Brian is an independent planner, meaning that he is not restricted to any particular products or strategies. He is free to draw on a wide variety of options available from a full range of investment and insurance companies to build individualized plans and programs that benefit each client and their unique needs.
Retirement Income Planning
A chief concern for many people is the risk of outliving their income. It is Brian’s goal to educate his clients on planning in an understandable way so that they feel prepared to make sound decisions for a lifetime of adventure, rather than a lifetime of financial struggle.
Brian believes that it is essential to provide services that enable clients to retire with confidence in the planning they take part in and the income that it can provide.
Stivers Financial Services provides four services to assist their clients in retirement income planning:
- Customized Income Plans
- Social Security Income Analysis
- Pension Maximization Analysis
- Required Minimum Distribution (RMDs) Analysis
Early in his career, Brian heard the quote, “It’s not that people plan to fail, it’s that they fail to plan.” This is something that has continued to drive Brian in his passion for assisting his clients in preparing for retirement and beyond. Stivers Financial Services strives to assist clients in designing a distribution plan so that they can have confidence that their remaining assets are cared for as they priorly arranged.
Brian provides clients with several legacy and estate planning services:
- Surviving Spouse Financial Planning
- Financial Estate Planning
- Long-Term Care Planning
- Probate and Tax Strategy Planning
- Insurance Planning