Financial Planning Process

Our primary goal is helping clients protect their retirement future from the risk of loss.

1. PROFILE
We thoroughly develop your personal financial profile through individual consultation with you. We take into account an individual's retirement needs and objectives, risk tolerance, and time frame.

2. ASSET ALLOCATION
We develop a personalized asset allocation strategy based on your needs and objectives. This strategy seeks to maximize your investment returns while minimizing your risk through the carefully diversified allocation of your assets.

3. IMPLEMENTATION
Our goal at C. W. Beale and Associates, Inc. is to focus primarily on the amount of money that clients wish to have protected from loss but still provide for good conservative rates of return. We use primarily fixed and indexed annuities which offer the potential for these good rates of return yet provide protection from the risk of any loss. For those clients who might manage their own funds or who already have relationships with other financial planners or brokers, we do not seek to interrupt those relationships if client is happy with the service and results they are receiving. For those who are not satisfied with current service or results and do desire our help with market type services and advice, we use professionally managed accounts with Brookstone Capital Management.

4. REVIEW
We review with our clients on a regular ongoing basis to ensure that your investments remain consistent with your life’s goals and objectives. Financial decisions are not one-time events – as life changes, so too must your financial strategy.

5. COMMUNICATION
We will communicate with you on a regular basis and provide comprehensive reports for each of your accounts. Furthermore, we provide you with the highest level of personalized service, including regularly scheduled meetings, newsletters and workshops.

Chuck is not a “stock picker” or a “market timer”. For those people who desire to have a portion of their money in the market, Chuck offers managed investment accounts using Individual Funds, ETraded Funds and Unit Investment Trusts. These managed accounts provide that there are no commissions for buying or selling funds but simply an annual management fee of anywhere from .8% to 1.5%.