Our Services

Karen Ibach, CFP™, utilizes a 4 step process in financial planning. These steps include:

 1. Information Gathering and Goal Setting: We take time to get to know each other and pull together statements, employer benefits, review taxes, wills, trusts, insurance plans and then discuss your particular goals and objectives. Time involved: 1-2 hours.

2. Financial Planning Consultation & Client Education At this meeting, we discuss your custom tailored financial plan and whether you are on the right road to success. We also discuss investment alternatives. Your plan may be tweeked a bit at this point. Time involved: 1-1/2 to 2-1/2 hours.

3. Implementation of the Financial Plan Many times this is completed during stage 3 (above). We review the investment alternatives, answer any questions, and complete the paperwork. Time involved: 1 hour or less.

4. Annual Reviewing of the Financial Plan This can be done via telephone or in person. We compare where you are today versus where you were a year ago. You also update Karen on important changes in your life (new home, weddings, new children/grandchildren, travel, home projects, etc.). Time involved annually: 1 hour

OTHER SERVICES:

1. Financial Directions Quarterly Newsletter - free subscription with many great fact filled articles.

2. Client Education Seminars Seminars are offered to help you update your knowledge on the latest happenings in the market, tax law changes, estate planning updates, and much more.

3. Surprises! In September 2000, Karen organized a group of clients to go on a fantastic, low cost Alaskan cruise. Karen loves to travel and is an expert on travel deals!

FULL SERVICE FINANCIAL PLANNING including: 

Comprehensive and Simple Financial Plan, Tax Saving Strategies, Investments including Mutual Funds, Stocks, Bonds, Money Management, Asset Allocation, Limited Partnerships, Retirement Plans  including Traditional and Roth IRAs, SEP IRAs, IRA Rollovers, 401k Plans, Pension and Profit Sharing Plans, Fixed and Variable Annuities, Insurance, Long Term Care and Disability Insurance.

For more information, call Karen at 847-392-9600.

CFP™, CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.