Client-Focused Financial Planning
At Diversity Equity Financial we get that finance can feel like a tough puzzle sometimes — but guess what? Together, we’ve got this! We offer a full range of investment options and financial planning solutions. Not only do we offer the top national companies but we walk you through every investment option to find the best fit for your unique situation served with a side of clear, no-nonsense education. Our mission is to craft a financial strategy that’s not only easy to understand but also perfectly aligned with your retirement dreams.
We kick things off with a personalized retirement planning analysis, looking at every piece of your financial puzzle — from savings and income to investments, pensions, taxes, and even your risk tolerance. The outcome? A plan designed to give you security, growth, and a dependable income stream, all while keeping things as straightforward as possible.
Let's do this.
Our services are designed to meet your unique financial needs, ensuring a secure and prosperous future.
Retirement Planning
Retirement should be the time to kick back and enjoy the life you’ve worked so hard to build. Our personalized retirement planning is designed to help you manage your money smarter. We’ll help you sort through those big questions like:
- Can I retire on my terms?
- Have I saved enough to enjoy the lifestyle I want?
- What’s the best way to tap into my various accounts?
- Should I start collecting Social Security now, or wait for a bit later?
We believe that with the right plan, retirement can be as stress-free as your favorite vacation (minus the packing).
Social Security
Social Security plays a starring role in many retirement plans, often making up 20-50% of a middle-income couple’s income and sometimes totaling over $500,000 in lifetime benefits. Its perks include:
- Annual inflation adjustments
- Tax advantages (worst case, up to 85% taxable as ordinary income)
- Lifelong payments
- The backing of a government promise
Figuring out the best time to start your Social Security benefits can be a game-changer. Our team is here to help you weave Social Security into your overall retirement strategy, so every piece of the puzzle fits perfectly.
College Funding
Planning for college might seem as daunting as planning for retirement—but we’re here to simplify it! Whether it’s 529 plans, Florida Prepaid, or other funding options, we’ll help you navigate the maze of saving for higher education. Our goal is to ease the stress and help you prepare financially for your family’s future academic adventures.
Income Planning
Your retirement income should reflect your life—unique, dynamic, and full of potential. We work with you to design a strategy that considers your age, risk tolerance, and current and future income needs. Our toolkit includes a variety of options like:
- Traditional and Roth IRAs
- 401(k) and 403(b) plans
- SEP (Simplified Employee Pension) plans
- SARSEP (Salary Reduction Simplified Employee Pension) plans
- Annuities
With people living longer and healthier lives, planning for a comfortable retirement income is more important than ever. We’ll help you map out your income sources so that your golden years truly shine.
Annuities
With traditional safety nets like company pensions fading into the background, many are asking, “How will I pay for my retirement?” Enter annuities—your friendly neighborhood financial sidekick. These products, crafted by the insurance industry, offer flexibility, safety, and growth benefits that help create a steady income stream.
Why annuities might be your retirement BFF:
• Regular monthly income
• A low-risk investment option
• Guaranteed income for life
• Potential market gains without the downside drama
• Protection of your initial investment
At Diversity Financial Inc., we’re all about making the complex world of annuities simple and approachable—so you can decide if they’re the right fit for your retirement portfolio.
Wealth Transfer
Thinking about leaving a legacy? Our wealth transfer strategies are all about making sure your assets find their way to your loved ones in the most tax-friendly way possible. We dive into all the details—from capital gains and property titles to trustees and executors—to create a legacy plan that fits your vision.
Since life is always evolving, we recommend giving your legacy plan a refresh every few years. At Diversity Financial Inc., we keep you in the loop on the latest insights and legal changes, so your estate plan always reflects exactly what you need.
Financial Planning
Let’s face it—financial planning isn’t a product you can just pick off a shelf. It’s a personalized journey where every client’s story is unique. Markets can be wild, but our goal is to keep you financially secure and ready to enjoy retirement without worrying about the bumps along the way.
Our expert team at Diversity Financial Inc. carefully weighs the tax implications, risks, and benefits of different investment options, tailoring strategies just for you. With 25 years of experience under our belts, we’re not just advisors—we’re your dedicated partners in turning financial dreams into reality.
Life Insurance
Life insurance isn’t just paperwork—it’s a key part of your overall financial plan. Whether you’re considering Term Life, Whole Life, Variable, Universal, or Indexed Universal Life (IUL), we’ll help you navigate your options based on your age, health, income, and assets.
Sometimes, what you once needed might not be the best fit anymore. With our guidance, you can reassess and explore policies that might free up resources for other investments or better match your evolving situation. Think of it as a check-up for your financial health.
Long-Term Care Insurance
Here’s a sobering fact: about 70% of Americans reaching age 65 will need long-term care. With Medicaid only stepping in after other resources have been exhausted, Long-Term Care Insurance (LTCI) is a crucial safety net. LTCI helps cover costs for care at home, transportation, or even residential facilities. With a variety of policies—and even hybrid options that blend LTCI with other products like annuities—we’re here to guide you to the right solution for your needs.
Take Charge of Your Financial Future
Ready to embark on a personalized financial journey? At Diversity Equity Financial, we specialize in crafting strategies that align with your unique goals and aspirations. Reach out today for expert guidance and take the first step towards a secure and prosperous future.