Personal Solutions

Fernandez Financial Group LLC provides individuals and families with innovative, cutting-edge products and services to help them grow, protect and conserve their wealth through all stages in life. Taking into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you’re going and how to get there. Some of our key services are detailed below.

Estate Planning

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.

Asset Protection

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

Charitable Planning

Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals. Please seek tax advice from your own tax advisors.

Disability and Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.

401(k) and IRA Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer’s plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer’s plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.

Financial Consulting Services

Your priorities. Our experience. Here when you need us.

Wish you had a dedicated financial advisor?

We can help — with the Financial Consulting Services program — providing the support you need at a frequency and fee structure that work for you. Through this program you’ll work with a dedicated advisor who’s committed to understanding your priorities and financial goals.

Why the Financial Consulting Services program?

Because engaging a financial advisor should be simple and on your terms.

Our advisors understand that your time is valuable and your circumstances are unique to you. Whether you’re just getting started on your financial journey or have been investing and saving for years, we can help:

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Available when you need us

With Financial Consulting Services, you can select the service model that works best for you:

Subscription Service

Continuous access to financial consulting services for a defined time period and an agreed upon fee

Point-in-time Service

As-needed access to financial consulting services, billed hourly or as a flat fee at an agreed upon rate

Solutions to meet your unique needs

We’ll work to help protect your lifestyle, priorities, and financial future. This may include:

Financial Health/Financial Wellness

  • Debt reduction
  • Social Security strategies
  • Budgeting

Risk Consultation

  • Explanation of different insurance types
  • Insurance coverage adequacy in the event of disability, death or long-term care needs

Investment/Asset Allocation Consultation

  • Asset allocation and risk tolerance
  • Investment market considerations

Education Funding

  • Education savings needs
  • Investment vehicles and strategies to fund education expenses