At Essa Financial, our comprehensive financial planning services prioritize your interests and empower you to reach your goals.
Our clients come to us from many states, ages and financial situations. No matter what your financial puzzle looks like, we help you put the pieces together in a way that best benefits you.
Our investment philosophy is straightforward: low-cost, tax-efficient and transparent investments combined with a long-term focus that doesn’t try to time the markets.
We believe in the power of diversification and asset location as significant value-adds for our clients.
Are you following an investment strategy or hoping to time the market with a hot stock? We understand it’s easy to become distracted by new and shiny investment opportunities, but that can also mean making rash decisions when things go differently than planned.
Instead of chasing short-term gains, we believe the best way to realize real gains is to invest in low-cost, tax-efficient and transparent investments combined with a long-term focus.
This philosophy isn’t an overnight process, which is why we design thoughtful and thorough investment strategies to help you stay focused and disciplined through the market’s highs and lows.
At Essa Financial, our primary custodian is Charles Schwab. Through Schwab Alliance and our portfolio management tool, you’ll always have full access to and visibility into your portfolio and performance.
Have other accounts? We’re happy to advise you on investments and let you act on that advice.
One of the most common financial goals is a comfortable retirement, but that takes planning and discipline.
We’ll help you estimate your expenses throughout retirement and prepare to have enough money to cover all of those expenses, plus any extra for the people and causes you care about.
Here are some ways we’ll help you plan for the retirement you’ve been dreaming of:
At Essa Financial, we’re committed to helping you minimize your lifetime tax burden. We take pride in having a deep knowledge of the tax code and understanding how clients’ taxes might change over time.
We’ll continually re-evaluate your financial situation to ensure we’re pulling all the right levers to create tax-efficient investments for your portfolio.
Here are some of the ways we work to minimize your tax liability:
Do you have a plan in case the worst-case scenario becomes reality? We’ll help you create an insurance plan that balances potential risk with your goals and financial situation.
Insurance is the safety net that protects your assets when the unexpected happens. Having the right insurance policies and amounts can protect you from unforeseen life events.
At Essa Financial, we help you obtain the insurance you need to mitigate risk and achieve peace of mind with proper coverage.
Here are some common types of insurance that we can help you plan for:
Because Essa Financial is fee-only, you can be assured that we do not sell any insurance products to our clients nor accept commissions for insurance referrals. That means all insurance coverage we recommend to our clients is truly the best option for their situation.
The cost of higher education is continuing to climb. If it is important to ensure you or your loved ones have enough to cover education expenses, we can help you plan and implement smart, efficient savings plans that don’t increase your tax liability.
Whether you’re saving to pay for your children, grandchildren or your own education, we’ll help you plan for it. We’ll conduct a comprehensive analysis of your education planning goals and needs to create a roadmap for optimal savings and payment of education-related expenses.
Here are some of the ways we’ll help you plan for education-related expenses:
You’ve worked hard to build your financial house. Ensure that legacy lives on by creating a comprehensive estate plan that aligns with your values, priorities and wishes.
At Essa Financial, we’ll work closely with you and your legal team to:
We offer ongoing financial planning services through a fee-only retainer relationship, meaning you’ll have a trusted advisor by your side at every step.
We offer clients flexible options for yearly in-person or virtual reviews, accommodating their schedule and preferences, and providing continuous support throughout the year.
Do you have a financial plan for your future that balances risk with your goals and financial situation? Let’s make sure every situation is considered while time is still on your side.
