Personal Services

At Freeman Heyne Toma, we exist to guide you through sound decision-making for all of life’s milestones. Through personalized, highly relational service, we’ll help you pursue overall financial well-being while working together towards your specific goals. Our process involves getting to know you and your personal values, goals and current circumstances in order to develop a comprehensive plan tailored to suit your needs in the short, medium and long term. Our experienced team can provide a holistic financial planning experience which strategically combines the most appropriate products, services and strategies for your situation.

Having a wide variety of quality investment options to choose from is vital in forming an investment plan to align with your goals and time frame. We offer a wide variety of investment products and services, from college savings plans, to mutual funds, alternative investments and much more. We take a detailled, goal-based approach to your investment plan. First, we get to know you, your goals and current situation, then we form a personalized plan, making sure you are comfortable with every step. Next, we implement your plan with precision, monitor your progress and openly communicate with you as we make adjustments along the way..

Personalized retirement planning is an essential component of any comprehensive financial plan. No matter your current milestone in life, planning ahead can be a significant step toward financial well-being and can give you confidence for the future. We’ll help you assess your current situation and develop a personalized strategy to help you get from where you are now to where you want to be in the future. We offer a variety of products and services to suit your retirement planning needs, including lifetime income planning, disbursement options, and more. You can trust our independent advice will put your needs and best interests first.

Having an effective estate plan in place can ensure that your final wishes are carried out. Moreover, through proper estate planning, you can help ease the emotional burden left on your loved ones when you pass by making prior arrangements for key decisions. An effective estate plan can also help reduce the impact of taxes on your estate as it passes to your beneficiaries. Our highly credentialed and experienced estate planning specialists will lead you through every step of the planning process, will work with your other advisors, including legal representatives, and can help facilitate the execution of your plan when the time comes.

Even with the best-laid plans for the future, life can be unpredictable, which is why insurance planning is an essential part of your comprehensive financial plan. Having comprehensive, appropriate insurance coverage can help protect you and your family from the potentially devastating financial impact of injury, illness, disability or death. Our team of financial professionals includes experienced and credentialed insurance advisors who can help you determine the most appropriate coverage for your situation. We can provide guidance on insurance products including, term life, universal life, variable life, whole life, individual disability, and long term care.

For individuals and business owners, tax planning can result in significant tax savings. We’ll work closely with you to review your tax situation on a yearly basis at a minimum, or as often as needed to help you understand your options and the most appropriate strategy for your specific situation and changing needs. We’ll also coordinate with your tax preparer to help ensure that your tax planning strategies are properly implemented when the time comes. For more information on our tax planning services, contact us today to speak to one of our experienced representatives.