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Brian Minier

Video Transcripts

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Introduction - Brian Minier

[background music]

Brian Minier: Hi, I'm Brian Minier, Vice President of Eagle Investment Division and Financial Advisor at Eagle Financial Solutions.

Our firm believes...

[background music]

Brian Minier: Hi, I'm Brian Minier, Vice President of Eagle Investment Division and Financial Advisor at Eagle Financial Solutions.

Our firm believes in a holistic approach to financial planning. We feel that each family we help has specific financial goals and objectives. Each of our clients has unique needs that require a customized solution. Not just insurance, not just investments, we customize a solution that's going to fit your financial goals and objectives.

We want to do what is best based on your specific needs. We have a team of people here that specialize in different areas, a holistic firm that helps you, our client, get all the assistance and help you need.

For example, I specialize in integrating Social Security strategies into retirement planning. In addition, our firm has advisors that specialize in college planning and business solutions. We have the expertise to assist you at your specific stage of life. Collaborative planning and education are extremely important as we discuss your financial plan.

I take a lot of pride in educating the people I work with. It is extremely important that my clients not only implement the strategy that fits their long-term objectives but, also, they understand why it is implemented.

I want to gain your trust by educating you before implementing the appropriate strategy. I feel I can do this by explaining to you how and why your plan would work for you.

We'll walk through the differences and various strategies and customize it based on your needs and risk tolerance. We use a combination of insurance and investment strategies to structure our clients' portfolios.

Interested in learning more? Schedule time to speak with me today.


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Planning Process - Brian Minier

[background music]

Brian Minier: Hi, I'm Brian Minier, Vice President of Eagle Investment Division and Financial Advisor at Eagle Financial Solutions. We believe that...

[background music]

Brian Minier: Hi, I'm Brian Minier, Vice President of Eagle Investment Division and Financial Advisor at Eagle Financial Solutions. We believe that it is very important to get to know our clients before creating a financial plan or implementing an investment strategy. First, we'll sit down and assess your financial goals and objectives.

It is just as important to understand the why behind your goals as it is to clearly define your goals. We will also discuss your current financial situation and your overall risk tolerance. I am able to assist my clients with any type of strategy, ranging from conservative to aggressive.

If a client feels that an aggressive approach is best suited for him or her, a volatility tolerance analysis will provide the necessary validation for that investment. We'll discuss all options available to you as we pick the appropriate strategies, and I will help direct and guide as to what makes the most sense as you look at each of those options.

New clients will be introduced to the Eagle Financial Solutions team. They will know that they have full access to our staff, so they can be reassured that their questions and concerns will be addressed accurately and timely.

Clients can expect that our team will have regular touch points with them, so that regular reviews can and will be scheduled to make sure that their financial goals are being met. Get started on creating your financial plan. Schedule a time to speak with me today.


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Social Security Strategies - Brian Minier

[background music]

Brian Minier: Hi. I'm Brian Minier, Vice President of Eagle Investment Division and Financial Advisor at Eagle Financial Solutions.

One of our...

[background music]

Brian Minier: Hi. I'm Brian Minier, Vice President of Eagle Investment Division and Financial Advisor at Eagle Financial Solutions.

One of our firm's specialties is integrating Social Security strategies into retirement planning. This doesn't just mean advising a client to try and maximize Social Security but, in addition, integrating the appropriate Social Security strategy into their overall retirement plan.

I'm here to help clients figure out, "Does it make sense to take Social Security now, or should I pull retirement income from my own assets and wait to take Social Security?

"Which spousal Social Security should we take first? If I'm divorced, am I eligible for my spouse's Social Security benefits?"

The answers to these questions really depend on your situation, and I'll help you figure out what makes the most sense. One thing to keep in mind is, if you're married, Social Security is not a "me" decision, it's a "we" decision. For example, after 20 years of marriage, a couple divorces. Would the nonworking spouse be eligible for a divorce benefit?

Another common situation I see is, if one spouse outlives the other, how does the surviving spouse receive the deceased's benefits while letting their own benefits increase in value?

I'll help educate people on different strategies that people didn't even know existed. This includes solutions on when they can take Social Security and the tax implications of doing so.

We can also run a formula for deciding when to take Social Security at the optimal time. Many people think that they should take it because it's a guaranteed benefit, so you'll get it for the rest of your life.

If you actually run the numbers, taking Social Security earlier versus waiting until full retirement age can help put more money in your pocket, and we have saved money for our clients in this way.

There are numerous ways to file for Social Security and approaches that most are not even aware of. Further, most people do not realize that it is extremely important to consider your overall retirement strategies in your spouse before filing.

I can provide this type of expertise to maximize the effectiveness of your strategies. Interested in hearing more? Book time to speak with me today.


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Planning for Young Professionals - Brian Minier

[music]

Brian Minier: Hi, I'm Brian Minier, Vice President of Eagle Investment Division and financial advisor at Eagle Financial Solutions.

One of the demographics I...

[music]

Brian Minier: Hi, I'm Brian Minier, Vice President of Eagle Investment Division and financial advisor at Eagle Financial Solutions.

One of the demographics I really enjoy working with are young professionals. I find that the younger generations could benefit by having a financial professional guiding a system with long-term saving strategies.

I enjoy working with young professionals by helping them forecast what their financial future will look like based on current situations and choices they are currently making. This includes showing them what their decisions mean long-term.

Finding the right strategy early on is crucially important, because it is going to pay dividends in the long run. My biggest suggestion is that they should start saving early and often.

I really enjoy working with young professionals, as I understand the long-term impact of our strategies can have on their overall future.

If you're a young professional, where do you think taxes are going in the next 10, 20 or even 30 years? There are different strategies based on anticipated tax rates, and if you want to pay taxes now versus paying them later, we can help you decide that.

As a young professional, I can show you how to save appropriately so that you can retire at the desired age you wish to do so. One of the ways I do this is by walking through various exercises within a particular software to show different time horizons and the effects of changing investment strategies.

As an example, say you want to retire in 20 years and you want to earn $60,000 a year. To do so, you're going to need $1.2 million. Are you on pace to do that? How do you get there? Is saving only in your 401(k) enough?

Having a lifestyle that you want, and balancing that with an objective of long-term planning, is something I'm well-versed in and I can help set expectations for you as a young professional.

Unlike your parents' generation, you're most likely not going to have access to a pension. Even with Social Security as part of the overall equation, there will more than likely be changes. They will likely have benefits starting later than your parents did, and you will need to plan for this.

Whether you're starting your career or looking to retire, book some time with me today.

[music]

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