Personal Financial Services

Whether you are just starting your career, planning for your retirement or somewhere in between, having a solid individual financial plan in place is critical to your future and the future of those you love. Developing a solid personal financial plan is similar to creating a road map for your journey through life. Your map clarifies your objectives and helps you stay on track toward accomplishing your goals, regardless of any unexpected windfalls or setbacks you may encounter along the way.

Creating, protecting and/or preserving assets are all common objectives of a solid financial plan and identifying the right vehicles to help you accomplish those goals can be a daunting task. Sifting through the various products and providers requires a significant amount of time, effort and knowledge.

Our access to the marketplace and comprehensive provider research and analysis can help you narrow the field and identify a plan that’s right for you. In addition to offering years of experience, we have developed numerous organizational tools and product differentiation models to help simplify the process and designed to help save you valuable time and money.

If your objective is to create a personal financial plan or to simply enhance an existing plan, we can help you narrow the field and find the right vehicles to help you accomplish your goals.

Personal Insurance

There are many different types of Personal Insurance Products, each represented by hundreds of providers and each product varies considerably depending on the product line. Our goal at
R. J. Welsch & Associates is to assist you in simplifying the selection process. We regularly conduct extensive product and provider research and analysis so you don’t have to.

Our status as an Independent Financial Services Network allows us to provide you with an unbiased, objective approach to finding the insurance product that is right for you without the burden of having to meet product “quotas”. Insurance and benefits are key components of your total Financial Plan. For this reason, we recommend any product introduction be preceded by the appropriate Financial Planning concept.

Our approach includes a detailed needs analysis and planning discussions to provide proper guidance to the right product on a priority basis. With a Personal Plan in place, we can also review existing products, provide proposals and comparisons on competitive alternatives and provide education on and identification of primary differentiators to help you understand how key components vary by carrier.

We provide assistance for all stages of the process, from development of your financial goals to guidance on the application process, troubleshooting on claims issues and helping to ensure that you remain in a competitive position with all insurance and benefit products in your portfolio over the course of your career and beyond.

Personal Insurance Products:

Health Insurance 
Life Insurance - Term, Universal, Variable, Whole, Joint, Survivor, Mortgage. 
Disability Insurance 
Dental & Vision Insurance 
Long Term Care 
Senior Insurance Products (Medicare Supplements, Medicare Part D, etc.)
Property & Casualty - We are not a P&C agency, however, we do have several relationships and alliances for those types of products.

Financial Planning

Financial Planning is the foundation and process by which all personal financial decisions are made.

We help our clients organize their existing financial condition, discuss concerns and objectives and provide a framework for making intelligent financial decisions.

Understanding your financial goals, risk tolerances, asset protection concerns, time horizons and investment experience are all critical to developing your unique individual plan. 
R. J. Welsch & Associates assists in all aspects of asset creation, protection and preservation. Our extensive experience combined with modern planning techniques and cutting edge technology allows us to simplify the process and provide a sensible format to monitor your financial progress. We offer these services economically through various levels of sophistication based on your own personal circumstances and preferences.

Financial Planning Services:

Comprehensive Financial Planning 
Asset Allocation Analysis 
Retirement Income Planning 
Educational Funding 
Investment Recommendations 
Estate Planning 
Tax Strategies 
Charitable Planning 
Trust Planning

Investment Services

At R. J. Welsch & Associates, we feel the key to identifying competitive investment products is to start with a Broker/Dealer that has no proprietary products. This means we are free of "quotas" or production requirements imposed by any specific provider. Our focus and recommendations are based solely on your financial needs and objectives.

We offer our clients a key edge: flexibility in how various investment products are delivered. We are able to accommodate virtually any type of preferred structure from fee-based arrangements to commissioned retail products. We can offer mutual funds as well. Variety is necessary to accommodate each individual's unique circumstance and preferences.

Investment products are key components of your total Financial Plan. For this reason, we recommend any product introduction be preceded by a complete Financial Planning process. A thorough review of your financial background, objectives, risk tolerance and expectations are critical to insuring that all product selections support your financial goals and plan objectives.

Investment Products:

Fee Based Asset Management 
Third party Managed Accounts 
Mutual Funds 
Retirement Products 
Variable Products 
Individual Stocks & Bonds