Comprehensive Wealth Management

With more than four decades of experience in wealth management, The Bolotin Financial Group understands that every client has unique financial planning needs, challenges, and opportunities. Bolotin Financial provides its clients a streamlined approach to help them reach their individual goals and creates a customized financial strategy that may include one or more of the following services.

Investment Planning

Bolotin Financial begins by getting a clear understanding of the client’s overall financial goals including goals for each investment account.  It is critical to understand where you’ve been, where you are today, and where you want to go before beginning any planning process. Bolotin Financial will also assess your investment preferences, concerns and attitudes toward risk, and the time frame for the assets in each account. It is truly understanding each of these factors that makes the Bolotin Financial approach unique in investment planning.

The firm works with clients to build appropriately diversified portfolios with access to the following:

Protection Planning

Life Insurance
Life insurance can be the foundation of a client’s financial security and can provide comfort and stability to the client and his family. Some life insurance policies can provide financial protection for the short term. Others accumulate cash value, offering a living benefit that can be used for supplemental retirement income and funding for a child’s education or cash for emergencies.

The Bolotin Financial Group offers a variety of term and permanent life insurance options and finds the right offering (or combination of offerings) to help meet the specific needs of each family.

Disability Insurance
A sudden interruption of income due to an extended period of sickness or injury can have serious financial consequences for many employees. Some people receive long-term group disability benefits through their employer. However, it is critical to determine if that policy is sufficient. Group long-term disability benefits are taxable if an employer pays the premiums. It may be capped at a relatively low amount and may not cover variable income such as bonuses or commissions. These benefits may not be enough to maintain a certain lifestyle or pay all outstanding bills if you become too sick or injured.

Property & Casualty
When acquiring and growing assets, it is vital to protect them as well. Bolotin Financial can help review property and casualty policies and make solutions to maximize coverage while minimizing risk.  Bolotin Financial offers a variety of property and casualty solutions including:

Estate Planning

Bolotin Financials work in conjunction with a client’s legal counsel, tax advisors, accountants and serve as a personal CFO to make sure that all elements of an estate plan work together to achieve the desired goals of a client.

The firm develops customized plans to efficiently transfer wealth and favorite charities to a client’s heirs so that it can protect their family, business, grow assets and minimize taxes. 

Retirement Planning

The Bolotin Financial Group can help to maximize earnings during a client’s career to ensure the income required in retirement. Bolotin Financial develops plans to ensure that the sequence of returns during the time you are accumulating wealth is different from when you are taking money out.

Clients can take advantage of Bolotin Financials’ comprehensive planning process to identify current and future income sources, expenses and assets to determine expected cash flow needs. Creating and reviewing your distribution strategies is paramount to ensure your needs and expectations are meet when you are done with working.

The Bolotin Financial Group uses a holistic approach for retirement planning, considers every element of a client’s current financial benefits and helps to create a plan that is unique to their goals. Bolotin Financial helps clients to: