Markets Served
Spera serves individuals and families of all ages and stages of their lives in
their pursuit of their financial and other life goals.
We have considerable experience working
with individuals "in changing circumstances". Our no-cost no-obligation
initial consultation has been very successful in clients gaining an understanding of the
financial issues facing them in a relaxed and low stress environment
Since we provide financial planning
services to our investment clients on a no change basis, many of these new clients qualify
and decide to become investment clients and get this specialized planning on a no-charge
basis.
These individuals are under great
pressure and stress, and appreciate our abilities to work with them in a calm and
confident manner. Our goal is to keep them grounded and focused on the realistic
expectations. We work closely with them and support them in the various decisions they
need to make and then incorporate their new economic realties into longer term financial,
estate and retirement plans.
Our professional background helps us work
effectively with owners of small businesses. We introduce
and evaluate investment and tax planning opportunities that can have significant impacts
on their situations.
Retirees often
think that don't need financial planning services. However there are many opportunities
for developing investment portfolios that address their situations and can significantly
improve their after tax available cash with the same or less risk. They also may have
important estate issues that can be identified.
Individuals and
families also want the security and peace of mind of knowing they have a plan to
retire at a reasonable age and enjoy and afford a reasonable lifestyle. We help determine
retirement and other life goals and put together understandable and achievable plans to
accomplish them. |
