Helping Business Owners, Individuals and Executives with Fee-Based Planning Services
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Elite Planning Program
Our Elite clients receive the objectivity and confidence that comes with a financial planning arrangement
Our financial plans use a holistic approach to analyze your current financial situation and evaluate how it aligns with your various goals. We provide you with concise written information to provide direction towards your future. At your request, we can review your plan periodically and monitor your progress to help keep you on track.
You will receive one-on-one guidance on everything from asset allocation to estate planning to achieving your financial independence.
What is the Financial Planning Process?
Financial planning involves a series of steps to help you accomplish your financial goals. As Princor Investment Adviser Representatives, we will gather information about your concerns and current financial situation in order to learn your specific goals and objectives. We then provide you with recommendations and alternative strategies for achieving those goals.
Once you’ve decided what recommendations to follow, we can help you implement those decisions if you so choose. The last step in the financial planning process is to periodically review and, if necessary, revise the plan.
Isn’t Financial Planning Just for the Wealthy?
Financial planning isn’t about “getting wealthy.” It’s about helping you achieve your specific life goals, whatever your level of affluence. Anyone who wants to take control of their financial life, make good financial decisions and achieve financial independence can benefit from a financial plan. Years ago, the financial life of the average family was relatively uncomplicated. People worked for the came company most of their lives, lived a few years in retirement on Social Security and their pension and passed their estate on to their children. However, increased longevity, changing demographics and a more complex, dynamic financial world have changed all that.
We have found that most everyone, regardless of financial status, appreciates financial planning help in areas such as:
Asset allocation
Retirement planning
Survivor and disability income needs
College education
Exit planning for business owners
Estate planning
Personal Service:
Your relationship is with us. As your primary contact, we are the one person to call for answers, ideas and guidance with respect to your financial plan. The full support of our team is available as well. We can also work with your other professional advisors to effectively help you handle your ever-changing needs.
The relationship between you and us is intended to be long-term. You may even find your heirs will benefit from this relationship, helping them carry on your legacy.
Access to Premier National Money Managers:
We have arrangements to offer the service of premier professional money managers for your investing needs. We have a number of asset allocation programs and separately managed accounts that allow you to invest without commissions. Your fees in these programs are based on the amount of assets under management in your account (based on a percentage of the asset value).
Compensation:
As with all true financial planning relationships, our compensation is based upon an hourly or flat fee to compensate us for the time, energy and expertise we provide.
Apart from financial planning services, we may also be compensated from your introductions to others you believe may benefit from this type of relationship.
Your Relationship with Us:
Elite clients work with an Investment Adviser Representative of Princor Financial Services Corporation to receive financial planning services. Even though your financial plan contains suggestions for solutions to meet your financial goals, you are not required to transact business or purchase products with Princor to implement these suggestions. There is no obligation, either before of after receiving your plan.
Should you decide to purchase financial products, you will pay any applicable fees or commissions relating to the purchased products. Except in cases where Princor acts as investment adviser, Princor acts as a broker dealer in offering financial products to you.
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Calculators
Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.
Savings Accumulation
Estimate the future value of your current savings.
Net Worth
A balance sheet summarizes your assets and liabilities and reveals your net worth.
Mortgage Refinancing
Determine whether you should consider refinancing your mortgage.
More Calculators →
Newsletters
World of Opportunity
It may be tempting to think that investing at home is enough, but that kind of thinking misses opportunities that may be available through foreign investments.
Prepare to Convert
New rules make converting to a Roth IRA a viable option, and it may make sense if you expect to be in a higher tax bracket in retirement, or if you expect tax rates to be higher in the future.
Giving for the Greater Good
When you utilize a structured giving strategy, your efforts can help reap greater benefits for you, your heirs, and your favorite charity.
Check Your Credit Score
Knowing your credit score and understanding its significance are important because the number can directly affect the interest rates you pay for mortgages, car loans, and credit cards.
More Newsletters →
PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of these web-sites provided here, you are leaving this site. Princor makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising
Joe Swanson is licensed in Minnesota, Wisconsin, Oregon, and Ohio (additional states can be made available) to offer insurance products, and life insurance (including variable life), annuities (including variable annuities), securities and if applicable - investment advice. This site is not a solicitation of interest in any of these products in any other state. IMPORTANT CONSUMER INFORMATION: Joe Swanson may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if (s)he is excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by Joe Swanson that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment advisor, BD agent or IA representative or any financial institution (s)he represents, contact your state securities law administrator. Principal Life Insurance Company, Des Moines, IA 50392. Principal Life maintains certificates of authority to transact insurance in all 50 states. Its NAIC identification number is 61271.
The words Financial Planning and Financial Advisor make no claims. Please see form ADV for disclosures. 401(k) plans and quotes are intended for Minnesota only and may be administered by other vendors including Fidelity, John Hancock, Principal Life, Nationwide Bisys, American Funds and others. Wealth management services may be provided by a third party. Financial Planning and Financial Advisor are titles used by Investment Adviser Representative's of the Princor RIA.
