Our Services

Comprehensive Financial Planning

The difference between a dream and achieving a goal is commitment. Financial planning is all about commitment. Our role is to help people develop a customized, comprehensive, systematic plan to help them stay committed to accomplish their goals.

A lot goes into the process, to be sure, but the essence of a financial plan is the focus that accompanies the process - our focus and yours. We are there with you every step of the way, as your life and your needs change.  

Comprehensive planning addresses all of your financial needs.  Whether it's retirement planning, college funding, insurance analysis, investment management or cash flow planning, we can help you create a plan that will work for you. 

Retirement Planning - As retirement specialists, we know how to utilize the various retirement vehicles to avoid mistakes that may lead to needless taxation or erosion of retirement savings.  Garrett Financial has developed a trademarked retirement income system we call WealthSpring™.  Imagine having a constantly renewable income stream that can increase throughout retirement and has a minimum level it can never fall below.  This is the essence of WealthSpring™. 

College Funding - College funding at Garrett Financial is performed by a college planning specialist .   We have over 150 strategies to reduce college costs. 

While most planners will simply calculate how much you need to save to pay for college and suggest ways to invest those savings, we do much more.  One of the greatest costs of a college educaion is income tax because college is paid with after-tax dollars.  Our strategies have saved people tens of thousands of dollars in taxes that could then be used for college.   

Insurance Needs - Ensuring that you have necessary insurance protection is one of our primary goals.  We help you determine the appropriate levels of health and disability insurance for your particular situation.  We will also help you address the issue of long-term care insurance.  Long term care is not covered by health insurance or Medicare. 

Investment Management - When it comes to investment strategy, we take a long-term approach.  We believe in persification among asset classes and investment styles.  Our portfolios are designed for downside resistance and quick recovery from down markets using a proprietary methodology.  We use the same methodology for both our managed and unmanaged accounts.

Cash Flow - Knowing how to efficiently utilize your income takes some planning.  We'll help you look at tax reduction planning, debt issues and spending patterns.

  Learn about Who We Work With.