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5764 Sunnybrook Drive, Sioux City, IA 51106

Personalized Financial Plan

One of the first things we address in the financial plan is a current investment analysis. Why? Because this is the one area where the problems are generally most apparent. According to the Financial Planning Association, as sited in the Journal of Financial Planning, many people fail to earn the rate of return provided by the capital markets in their portfolios, but all their planning is generally based on receiving at least this market rate of return. By implementing a rational Investment Plan, you can have much greater confidence in our planning going forward.

Other firms may charge you for a customized written financial plan. At EFS Group we want to earn your business. We offer to you a NO COST, NO OBLIGATION personalized financial plan. Here’s how the process works:

The Next Phase Planning Process






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Advanced Planning

Once the Investment Plan is implemented, we hope this will meet your needs. We take the time to prepare a well-researched plan so that together we become partners in the investment process. Moreover, Wealth Management goes far beyond smart asset management.

Once you have a solid foundation in place, you can make real progress on all the other really important issues at hand. Successful planning requires Advanced Planning capabilities as it relates to the following:

  • WEALTH ENHANCEMENT: The process of using strategies for maximizing the tax efficiency of current assets and cash flow while seeking to achieve both growth and preservation goals.
  • WEALTH CONSERVATION: A process of using strategies to legally structure the future disposition of current and protected assets for the maximum benefit of your chosen beneficiaries. This includes careful planning to mitigate the effect of estate taxes on your family.
  • ASSET PROTECTION: The process of employing legally acceptable concepts and strategies to ensure that a person's wealth is passed along according to their wishes.
  • CHARITABLE GIVING: The process of using strategies to maximize the effectiveness of charitable intent so that you can support the causes you believe in.

Our Wealth Management Plan is driven by a collaborative effort of our Professional Advisory Network, a hand-selected national team of leading consultants. We strategize with our team to help us identify where the biggest opportunities are to deliver maximum benefit. We address these most pressing needs first and then systematically address all aspects of your financial life over the course of our work together.

*Projections are provided for illustrative purposes only and should not be construed as investment or withdrawal advice as these decisions would need to be made based on what was appropriate for your individual situation. – This change is necessary as in bullet point three; there is a reference to projecting future Social Security and pension.

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