Financial Services

Every successful journey starts with prudent preparation and an effective travel plan. We help make sure you haven’t overlooked any key elements as you pursue your retirement destiny.

Find Retirement Joy

No matter what stage or season of life you’re in, our three-step Find Retirement Joy financial planning process is designed to help you protect your hard-earned money and find the retirement joy you’ve always envisioned.

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Find Retirement Joy

Using our process, we develop strategies to help you in three key areas:

Acquaint

We believe in personal relationships, not pressure-packed sales tactics. That’s why our first meeting is a casual, comfortable, no-hassle, no-obligation visit that allows each of us to learn about the other. We’ll discuss what true retirement joy means and looks like to you and determine if we think we’ll enjoy working together.

Assess

If we both believe the fit is strong, we’ll schedule a second meeting and really get to work. This is when we examine your current financial situation and determine areas where your plan could be optimized. Together, we’ll identify strategies and tools to help you preserve your assets and pursue your retirement dreams.

Achieve

This is the exciting moment when we present a custom, comprehensive retirement strategy designed with your unique needs and lifestyle goals in mind. After taking a final look, making any necessary adjustments and implementing your strategy, you can begin a journey filled with joy and confidence.

All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any statements referring to preservation of assets are not a guarantee or prediction of future performance.  Any references to protection benefits, guarantees or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. 

 

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.

Our Services

Unlike the working years, where you’ve likely drawn a regular paycheck, at retirement it’s time to pay yourself. Are you ready to tap into your savings in a strategic way so that you continue to create an income stream you won’t outlive? We can help.

We offer a suite of services to affluent clients who are looking for a holistic approach to their financial future, all in one place. We’ll help you with comprehensive guidance to help reach the goals and dreams you’ve been envisioning.

Annuities are financial tools that can help you create a stream of income that you can’t outlive. But today’s annuities aren’t like those of your parents or grandparents. There are many ways to tailor annuities to fit your needs. We’ll help you compare your options.

Whether you prefer to “set it and forget it,” or you want to more actively participate in your investments, we can help you design an investment strategy that matches your risk tolerance and goals. And we know that risk tolerance changes as life happens — so we plan for that, too.

We can help you evaluate your current IRAs and 401(k)s to determine if a rollover is appropriate for your situation. Whether you’re looking to access the tax-advantaged options a Roth IRA provides, to consolidate accounts or to explore other savings avenues, we can help.

We keep our eyes on the horizon so you can enjoy your retirement. We’ll design a strategy to help you minimize risk: including the risks of market loss, inflation or liquidity (not having cash accessible when you need it).

Life insurance can play an important role in an overall financial strategy — both to protect yourself and your loved ones should the unthinkable happen and in some cases to help preserve your assets for future generations.

Taxes can take a bigger bite out of your retirement income — or your legacy — than you may be expecting. We can help you develop tax-efficient strategies that fit your overall financial plan, so more of your hard-earned dollars go to you and your loved ones.

How you approach your financial planning today defines what your legacy to your loved ones will look like after you’re gone. We can help you understand and employ strategies to help ensure your assets are passed to those people or causes you love.

For retirees, outliving good health can be both a mental and financial blow. Accounting for future long-term care needs not only lifts a weight off your shoulders today but can help your loved ones breathe a sigh of relief down the road.

We can also refer you to professionals who provide the following services:
Trusts | Probate | Charitable Giving | Estate Planning | Tax Planning

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Partners in Personalized Financial Solutions

Cambridge Investment Research, Inc. is a financial solutions firm that partners with independent financial advisors like EnJoy Financial to provide clients with services such as investment products and advisory support. They’re known for their values of integrity, commitment, flexibility and kindness, and they offer a range of resources in areas like technology, advice and growth. Shelby and the team work with Cambridge as a broker/dealer and Registered Investment Advisor, and they help us deliver customized financial strategies to our clients.