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Design a Well-Rounded Financial Plan

Financial planning takes into account every aspect of your financial picture. Here are the following areas to think about when working with an advisor for financial planning.

Protection Planning

  • Keep your family's or business' dreams alive in the event of death
  • Protect your income and maintain your way of life in the event of disability
  • Long term care services 

Current Financial Position

  • Assess your current income and expenses, debts and investments
  • Determine your projected net worth 

Estate Planning

  • Transfer your estate and everything you worked hard to build according to your wishes
  • Minimize and fund estate taxes 

Tax Planning

  • Design strategies for minimizing taxes

Retirement Planning

  • Estimate income and expenses
  • Determine ways to distribute funds in retirement 

Investment Planning

  • Assess risk tolerance and goals
  • Design asset allocation strategy

Seperate from the financial plan and our role as financial planner, we may recommend the purchase or specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.

Community State Bank does not offer any securities or investment advisory services. Securian Financial Services Inc. and Capital Financial Strategies are not affiliated with Community State Bank.

Not FDIC/NCUSIF Insured. Not a deposit product * No Bank Credit Union affiliate guarantee * May lose value *                Not a guarantee of any bank/credit union service * No guarantee of Insurance Underwriter performance.

Capital Financial Strategies is independently owned and operated and offers its own suite of products and services entirely independent of Securian. 

**Certain individuals associated with Capital Financial Strategies are registered with and offer securities and investment advisory services through Securian Financial Services, Inc. ("Securian"), a registered broker-dealer and investment adviser, member FINRA / SIPC. Individuals registered with Securian are authorized to offer only those securities and investment advisory services that have been specifically approved by Securian. FINRA's BrokerCheck contains additional information about registered individuals and also indicates whether they are registered representatives and/or investment advisor representatives.  Not all registered persons are registered as investment advisor representatives.  Only registered persons who are registered as investment advisor representatives use titles "advisor" or "financial advisor" and provide advisory services. For further questions about which individuals associated with Capital Financial Strategies are registered with Securian, as well as information about which securities and investment advisory services such individuals are authorized to offer on Securian's behalf, please contact Securian at 1-800-820-4205.  10199 Southside Blvd, Building One, Jacksonville FL, 32256.

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