Howley Financial Group
PLANNING PROCESS  |  PHILOSOPHY
Howley Financial Group Jack Howley is a proven leader in the industry. When he created Howley Financial Group, he realized that not all clients share the same likes, dislikes, aspirations and goals. Some want to maximize wealth for their retirement. Some want to leverage their wealth to enjoy life now. The challenge is, helping people understand that what they currently are doing might not get them to where they want to be and is where they want to be exceed their expectations or just meet them?

Over the years of being in business Jack has worked on a proven system to help his clients exceed their expectation.  The strategies that he brings to his clients are cutting edge.  Although these strategies can become very advanced, Jack has a natural ability to bring these extremely advanced techniques to his clients in the simplest form and his step by step process helps make implementation systematic and easy.

Here are ten crucial elements that should be present in the "ideal financial strategy"

1. Systematic Monetary Flow
In order to maintain consistent returns, money must be regularly contributed to the plan.

2. Consistent Returns
Your money should be making you money. Finding the right investment strategy for you to maximize returns will secure your financial future and enhance your current lifestyle simultaneously.

3. Liquidity
Monetary funds should be readily and easily accessible to you, as your wants and needs can, and will, change as time goes on. Locking up assets as you plan for your financial tomorrow can hinder you from living the life you want today.

4. Tax Minimization of Accumulating Assets
While your money is making you money, we can identify ways to minimize your exposure to taxation on these assets. Keeping the money you make is a crucial part of increasing your optimal amount of wealth.

5. Ease of Monetary Distribution
It’s your money and you should be able to have access to it at any point without hassle, astronomical fees or any other unnecessary obstacles.

6. Tax Minimization of Distributed Assets
You shouldn’t have to pay to gain access to your money and we can help you limit the taxation on assets you choose to liquidate or withdraw. What good is losing money you’ve worked so hard to make?

7. Financial Security of Family Members
Part of your future strategy is planning for your future family. Children, grandchildren, perhaps even great-grandchildren should be considered in your financial strategy, no matter what stage of life you’re in.

8. Minimization of Risk
Risk cannot be avoided, but it can be minimized. For example, estate taxation should not force your family members to sell important assets (your home, business, etc.) to secure financial stability. This liability could be funded out of residual capital and/or insured.

9. Flexibility
Your wants and needs will change, your family will grow and your plan needs to be built with a certain amount of flexibility to account and provide for those changes.

10. Self-Completion
Your plan should account for the unplanned. Your financial strategy should contain contingencies for death, injury, disability, emergencies, etc., so that no unforeseen circumstance will compromise your, or your family’s financial security.