Whether your financial affairs are relatively simple or very complex, the professionals at Sapphire Wealth Management, LLC can help you develop a financial strategy that’s right for you. A comprehensive financial plan can provide insight on how to plan for many of life’s major events. Building your dreams one step at a time.

• Retirement planning
• 401(k), 403(b), and 457 plans and 401(k) rollovers
• Traditional, Roth, SEP and SIMPLE IRAs
• Mutual funds and annuities
• College funding and financial aid planning
• Investment planning and review

Step 1: Define Your Financial Goals and Objectives
The first step in the planning process is to clearly define your financial goals, time horizons, risk tolerance and preferences.  This basic information provides a solid foundation for your financial plan and serves as a reference guide for ongoing discussions and reviews.

Step 2: Determine Your Financial Strategy
After your goals and objectives have been determined, the next step is to create a customized financial strategy. We'll apply the concepts of asset allocation, diversification and protection as we identify and recommend the most appropriate solutions -- all the while focusing on your unique financial position.

Step 3: Build Your Financial Plan
Now, we'll begin building a plan to meet your specific needs.  We'll determine which types of assets you should own and how they should be allocated.  We'll research the types of stocks, bonds, mutual funds, insurance and other investments best suited to meet your objectives.

Step 4: Manage and Monitor Your Financial Plan
Once your assets are invested the process of monitoring and managing your plan begins.  We will continue to review and evaluate your strategies to ensure it aligns with your goals.  We'll provide education, guidance and expertise through regular meetings and discussions.  As your needs change we will re-evaluate your strategties and discuss alternatives.