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Planning

Bringing your goals within reach

Our experienced Financial Advisors can help you prepare for the road ahead, giving you the confidence and security to take on life’s expected – and unexpected – turns.

You have goals. Whether it’s buying a new home, paying for college, or starting a small business, making goals is a big part of your life – and having the financial resources to meet them is just as important. At Cathay Wealth Management, our experienced Financial Advisors have one goal: to help you reach yours. Working with your Financial Advisor can help you create a personalized financial roadmap to help meet your goals, so you can focus on enjoying your accomplishments instead of dealing with your finances. From personal and family to retirement and business goals, our Financial Advisors offer a range of comprehensive financial planning services to get you where you want to be.

Flexible solutions for life’s big decisions

Wealth transfer planning

Protect your wealth for the people that matter to you and the causes you believe in.

Retirement & distribution planning

Retire confidently by preparing for your long-term financial and healthcare needs.

Business & succession planning

Ensure the future of your business with a customized business and succession strategy.

Stock options

Make important decisions on executive compensation plans.

Estate Planning: Protecting your legacy

It’s never too early to start planning for the future of your loved ones. At Cathay Wealth Management, our experienced Financial Advisors work with you to help ensure your estate stays protected, provides financial security for the people you care about, and helps support the causes that inspire you.

 


For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice.

 

Frequently Asked Questions

What are the qualifications of my Financial Advisor?

All Cathay Wealth Management Financial Advisors are required to meet established industry and regulatory standards and act in your financial best interests.

Is there a financial planning fee? How is the fee determined?

Most financial advisors require a fee for financial guidance and analysis. Our Financial Advisors provide you with a fee structure during your free consultation. Fees may be included for the following services:

  • Data gathering and analysis
  • Customized asset allocation
  • Client communications
  • Plan and portfolio reviews
  • Related financial planning services

What qualities should I look for in a financial advisor?

Most planning clients look for the following qualities in a financial advisor:

  • Listens to ideas, concerns and provides personalized attention
  • Offers recommendations tailored to a client’s unique needs and goals
  • Assists in creating a long-term financial foundation
  • Builds a personal relationship based on trust and a client’s best interests
  • Presents information clearly and accurately

What is the advantage of creating a customized asset allocation program in the planning process?

Asset allocation can help you diversify your portfolio and make smart investment choices. Your Financial Advisor can help you use asset allocation to set goals, reduce risk, monitor progress, and adjust your investments as your needs change*.

Your Financial Advisor will help you choose the right asset allocation program to support your short- and long-term financial objectives.

*Asset allocation, which is driven by complex mathematical models, should not be confused with diversification. While asset allocation may help reduce volatility and risk, it does not guarantee future performance.

How do advisors address my unique planning needs?

Our Financial Advisors provide specialized analysis to help you address:

  • Insurance needs covering life, disability income and long-term care insurance
  • Budget guidance to help you pay down debts, reduce fixed costs and free up money for saving and investing
  • Stock options and restricted stock for managing or hedging concentrated stock holdings in employer stock or other securities
  • Estate planning to provide for a surviving spouse and beneficiaries and tax-efficient asset distribution
  • Retirement planning to help you determine when you can afford to retire
  • Retirement plan evaluation to help you get the most out of your 401(k) or IRA and rollover or distribution strategies to ease your transition into retirement
  • Education funding analysis to help you confidently meet the rising costs of college tuition and accompanying tax advantages

Is the planning process documented?

Yes. Documentation helps you communicate with your Financial Advisor and spouse/partner and makes it easier to discuss your plan with trusted family members and outside advisors. Documentation also helps you determine whether a specific investment strategy is still suitable as your goals or life circumstances change.

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Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, driver’s license numbers, etc. in any email sent to us via this link.

Have a question?

Our Financial Advisors are happy to assist you with all your Wealth Management needs. Please reach out to our team for more information.