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WHAT WE OFFER

At Centorbi Financial, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, to help you address your financial needs and concerns.

Our process is designed to help our clients achieve simplicity and confidence during their retirement years.

It’s focused around 5 problems we solve.

Will I outlive the income?
Most people will have one or all three of these sources of retirement income: Pension, Social Security and your own investments. It is vital to make the right choice on each of these. The incorrect Social Security decision could reduce your Social Security income over your lifetime by hundreds of thousands of dollars. It is also important to make the right pension option that fits best for your family.

 

Am I paying too much taxes?
Many families fail to incorporate tax planning when they retire. It is very important to have a structured plan to decide when to draw out of the three different tax buckets: taxable, tax deferred and tax advantaged. These are all taxed differently and can make or break a retirement strategy when the tax plan is incorporated into the retirement income plan.

 

What is the true risk in my investments?
We get asked this question often: “How much risk should we take?” This is not an easy question because the answer is different for everyone. First, we must determine how much risk your personal financial plan can accept. Can your plan allow a 50% loss and still allow you to accomplish your goals? Maybe it can only allow a 10% loss. This needs to be determined first once we determine how much you can afford. Then it is a personal preference on how much risk you want to take.

 

Is my plan on track to work?
Financial plans are great, but most families do not know where they sit on a day-to-day basis. This can cause anxiety when markets get volatile or when their life situations change, and we know both of those things will happen at one point or another. We believe in absolute transparency. This is why on our clients’ custom, personalized portal they can always ask the next four questions within one minute of logging in:

  • What are all of my assets worth?
  • Am I making a good return on my investments?
  • How much could I lose in my investments over the next six months?
  • Will I be able to accomplish all of my financial goals?

 

Is my estate set up in a tax-efficient manner?
We all know there are only two things certain in life: death and taxes. The first is frequently not planned for. Most states have a will for you even if you have not developed one yourself. It makes good financial sense to make sure all of the hard-earned assets you have worked for actually go to whom you would like to receive them, in the most estate- and income-tax-efficient way.