"Planning is bringing the future into the present so that you can do something about it now." -Alan Lakein
We want to give clients a life they’re excited about, so wherever you’re starting from, we’re here to guide you. With complete clarity and peace of mind about your finances, we believe you can achieve your most meaningful goals—like building a strong retirement and creating a legacy for your kids and grandkids. You should enjoy every season of life, so we’re here to lift the burden of uncertainty and show you the way. Below is a list of services we offer!
Whatever your financial goals are, sound planning is essential to making them a reality. By taking into account your personal situation, we’ll work with you to create a plan that is unique to you. We'll guide you through the options, keeping in mind your goals, personal circumstances, and any concerns you may have. From there, we'll help you build and carry out a highly-customized plan, and provide ongoing monitoring to identify changes that need to happen along the way.
If you’re like most people, you have some charitable causes and organizations that you care about and want to support. We can help you do that in a way that lines up with your values and objectives and your philanthropic style. Done correctly, charitable giving can also reduce your tax burden, creating a win-win situation for you and the causes you care about most.
Whether you're working on a short or long timeline, or have a high or low risk tolerance, we can offer you an investment approach that makes the most of your assets. After talking through the various options available to you, we'll use your objectives and circumstances to identify and execute an investment plan that’s in alignment with your values and goals.
Hiring and promoting the right executives for your business is important, but it's equally important to keep them happy. That's why one area of focus for us is assisting companies in choosing and funding the right executive benefit packages. Among other options, we can aid with non-qualified plans, supplemental employee retirement plans, and split dollar plans. These benefits can help you retain the executives your business needs to thrive.
Like executive benefits, deferred compensation funding can be a way to attract and retain quality employees. Under deferred compensation, an employee agrees that the company will withhold a portion of his or her compensation. The company invests the withheld income on behalf of the employee. As stipulated by the agreement, the employee receives the funds at a specific date in the future.
At some point, most business owners will pass their business on to another party, whether it be a family member, valued employee, or someone else. Regardless of the reason for the change or who is taking it over, we can help with all the big and small tasks that go into proper succession planning. Our services can help you make the process of handing over the reins as smooth and profitable as possible.
With key person insurance, you can insulate your company from financial damage in the unfortunate event of the death of a key employee. Losing an important executive or other team member can disrupt continuity, harm a company's credit, damage sales, and halt growth. However, key person insurance can offset some of those negative effects and also help with finding and training a replacement for the lost employee.
If your business has multiple owners, funding for a buy-sell agreement is another service we can provide. These are especially important when it comes to succession plans. Buy-sell agreements determine what happens when a co-owner leaves the business because of death or other circumstances. By funding your buy-sell agreement and having the proper insurance in place, you can help protect your business from the chaos potentially caused by such an event.
No one likes to think about the possibility of needing long term care later in life, but planning for extended care and disability is an important part of developing a solid retirement plan. By ensuring your portfolio is balanced enough to withstand such costs, we can help you protect your assets and give you the security you need to enjoy retirement.
By initiating the process early on, we can assist you in achieving your goal of funding your children or grandchildren's education. Our team of experts simplifies the process by considering important factors such as tuition rates, inflation, and taxes to develop a practical strategy that maximizes your resources and secures a bright future for your loved ones.
Effective risk management is vital for your financial well-being. McClarney Financial Group recognizes the importance of identifying and minimizing potential risks that could impact your financial stability. Our experienced team provides personalized risk management solutions designed to meet your specific needs. We work closely with you to assess risks, implement strategies, and monitor ongoing threats to protect your assets and investments. Whether you're an individual, a business owner, or an investor, we offer the expertise and support you need for a stable financial future.
At McClarney Financial Group, we prioritize your future needs while considering your current cash flow. Together, we'll create an investment solution tailored to your goals, financial situation, risk tolerance, and investment timeframe. Our team includes specialized investment managers with expertise in separately managed portfolios, mutual funds, and comprehensive wealth management programs. We are dedicated to building lasting relationships that support your financial goals.
Business planning is fundamental to achieving long-term growth and prosperity. McClarney Financial Group excels at helping businesses, regardless of their size, develop customized strategies that align with their specific goals and objectives. Our team of experts offers valuable guidance in crucial areas such as financial analysis, cash flow management, risk mitigation, and investment planning. Whether you're a startup, expanding operations, or looking to optimize your current business, we are dedicated to collaborating with you in creating a robust plan that drives profitability and secures a thriving future.
Life insurance is often associated with individuals who have families, but its significance extends beyond that. While it indeed helps support dependents, life insurance plays a crucial role in comprehensive estate planning, business succession, and charitable giving strategies. Permanent life insurance, in particular, offers additional advantages such as tax-deferred cash value growth. Therefore, life insurance holds importance not only for those embarking on new journeys but also for individuals seeking a fresh start.
Group benefits are a crucial part of attracting and retaining talented employees. We specialize in providing tailored solutions that meet the unique needs of your organization and staff. From health insurance and retirement plans to disability coverage and wellness programs, we offer a wide range of options to enhance the well-being and satisfaction of your workforce. With our expertise and commitment to exceptional service, we help you navigate the complexities of group benefits, ensuring that your employees are well taken care of and your organization thrives.
No matter your goals, level of risk tolerance, or time until retirement, we can work with you to come up with an individualized plan to help you make the most of your money. Our retirement planning and wealth management offerings include a mix of financial solutions including investments, insurance products, mutual funds, annuities, and more. Our planning process will help you arrive at a well thought-out model for maximizing and protecting what you have moving forward. From there, we will continually monitor your plan, allowing for continual adjustment as needs and circumstances change.
Because of factors like state and federal taxes, estate planning can be complicated. That’s why you need an experienced partner to help you make the most of your opportunities and avoid pitfalls along the way. With input from you and your other advisors, we can work to reduce your tax liability and make sure your estate plans line up with your needs and values.
You've worked hard for what you have, and we want to help you guard it. Through our asset protection solutions, we can assist with liability protection for personal and business assets, ensure the smooth transfer of assets to family members, and improve the growth of your assets. Our team will take your specific circumstances into account to come up with the best plan for you.
In 2022, Travis McClarney was recognized as one of Forbes’ Best-in-State Top Financial Security Professionals, an honor reserved for a select few outstanding financial planners in Indiana. We are incredibly excited to be part of this distinguished list, and we are extremely grateful to our clients who made this possible. Thank you for trusting us with your wealth, your business, your family, and your future. We look forward to serving you with excellence for many years to come!
Insurance professionals earned this recognition based on various criteria such as personal interviews, assets under management, and compliance records. Honorees were chosen by SHOOK Research, an independent research firm. To learn more about their methodology, click here.
Neither SHOOK nor Forbes receives any compensation in exchange for placement on its Top Financial Security Professional (FSP) rankings (including the Best-In-State Financial Security Professional rankings), which are determined independently (see methodology). FSP refers to professionals who are properly licensed to sell life insurance and annuities. FSPs may also hold other credentials and licenses which would allow them to offer investments and securities products through those licenses. The ranking algorithm is based on qualitative measures learned through telephone, virtual and in-person interviews to measure best practices, client retention, industry experience, credentials, review of compliance records, firm nominations; and quantitative criteria, such as assets under management, sales figures, and revenue generated for their firms. Investment performance is not a criterion because client objectives and risk tolerances vary, and these professionals rarely have audited performance reports. Individuals must carefully choose the right FSP for their own situation and perform their own due diligence. SHOOK’s research and rankings provide opinions intended to help individuals choose the right FSP and are not indicative of future performance or representative of any one client’s experience. Past performance is not an indication of future results. For more information, please see www.SHOOKresearch.com. SHOOK is a registered trademark of SHOOK Research, LLC.