Our Services

Your choice of a Financial Advisor is one of the most important decisions you will make. Bad choices can have injurious consequences like stunted compounding from hidden costs, slow growth from bad strategy, and crippling losses due to poor risk management.  ProActive Advisors is better because we have worked to upgrade our money management practices to improve financial outcomes.

Retirement Planning

The focus of this advisory service is to help clients plan a successful retirement including estimating their long term, future income needs. This planning is usually done in two parts: The Pre-Retirement Plan where the focus is upon accumulation. Here we additionally provide assistance in understanding how to be more successful in the asset accumulation phase of a career. In the second part, the Post-Retirement Plan the focus is upon increasing income and inflation protection. The advisor also lays out a plan on how to best distribute income in a tax efficient manner during retirement considering all available sources of income including savings, pension plans, social security, etc. 

Asset Management

ProActive’s Asset Management service is designed to resolve these issues by providing investment management capabilities that work to achieve your objectives while keeping investment costs low. This advisory service enables clients to engage a professional to navigate the business cycles on their behalf while taking advantage market opportunities as they arise. The adviser acts as a fiduciary providing on-going supervisory oversight of your account(s), selects investments from a universe of “no load” mutual funds, individual stocks, ETFs, bonds, money market funds, real estate and other appropriate investments, and watches your money striving to keep it compounding. Investment selections and investment decisions are made based upon suitability information provided to the adviser by the client and the adviser’s judgment of the best opportunities for profit.

Planning for College

College costs routinely have risen at rates significantly greater than inflation—typically by an average of 8-9% per year, though recently it has been low double-digits. The Making College Affordable Plan report helps families determine how much they need to invest, both in a lump sum, and/or monthly amount, to reach a future college funding goal under scenarios of public versus private colleges and living at home versus in the dorm. The College Planning Report additionally will show the difference in the savings amounts needed with a qualified 529 Tuition Plan versus saving in a taxable account. The advisor will prepare a detailed financial report relating to the funding of educational expenses for the client or the client’s children or other dependents. The objective is to provide actionable information to enable clients to know and plan for their children/grand children’s college expenses and understand how much savings are required to pay for four years of college expenses, including out of pocket expenses they will incur.

Estate Planning

Estate Planning helps families create a legacy with impact. And with second marriages more common today, it is important to prepare for a variety of situations with professional planning that minimizes taxes and potential of legal challenges when passing wealth to the next generations.
ProActive Advisors quarterbacks your specific, defined objectives with your other professional advisors to help protect and preserve your wealth. With our trusted financial guidance, you can let your estate reflect your values while serving your loved beneficiaries.

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