Individual

Setting individual investment goals means sitting down and defining your dreams for the future. If you are single, married or in a long-term relationship, spend some time going over your joint and individual goals. You can do this on your own or with the help of a Brecek & Young Financial Advisor. It's best to be as specific as possible. For instance, when do you want to retire? Do you want to send your child to a community college or an Ivy League University?

In your list of goals, some will be long term (more than 15 years), some will be short term (5 years or less), and some will be intermediate (between 5 and 15 years). You can then decide how much money you'll need to accumulate and which investments can best help you meet your goals. As your life changes your goals will change. You will have the need for more in-depth planning. You may need to address areas such as Estate Planning, Charitable Giving and even Business Succession. 

	Young Investor
	You're entering adulthood and starting your career. Now is the time to start investing for the future. Time is on your side. There are big advantages when you begin investing early. Brecek & Young can help you create your first financial plan. Our Advisors can show you products such as Mutual Funds, 401(k), IRA and Roth that can set you in the right direction.
	Family
	You now have a family, mortgage, possibly kids in the future and those pesky college loans to pay off. Your financial needs have grown and now need to include protecting your loved ones, saving for your child's education, improving your quality of life and preparing for retirement. How much life insurance should I have? Should I start a 529 plan for my children? What are are the tax consequences of my investments? Are my current investments in the appropriate asset classes? Will I have enough to retire? Equities, Cash Management Accounts, Annuities, REITs and Separate Account Management may all be viable options to creating a solid future. Brecek & Young has the experience to answer your questions.
	Retirement
	You're about to retire from a successful career, the children are grown and now you're looking forward to spending time with the grandchildren. Is your nest egg enough... Which investments will I draw from first? Is my portfolio too agressive and should I reallocate? Do I need to set up a trust? How do I pass on the family business? All these are major concerns entering retirement. Annuities, Fixed Income, Long-Term Care, Estate Planning and Business Succession provide you with the tools to live comfortably in your golden years.