Heitzman & Associates, Inc. is conveniently located in downtown Grand Rapids, Michigan. The average adult spends 145.6 hours each year selecting clothes and only 9.1 hours per year planning for retirement. – USA Today
One survey found that 83 percent of those aged 50 and older don’t have the three most basic estateplanning documents in place: a durable power of attorney, a will, and a trust.Thirty-six percent don’t have even one of these documents in place. – AARP, 2000
An AARP study found that nursing home costs average $153 per day or $56,000 per year. – AARP, 2001
The probability of living to age 90 after reaching 65 has nearly tripled since 1940. – National Center for Health Statistics
Dir ections: Directions: From U.S. 196, exit College Avenue and head south.Turn right on Fulton.We are located on the northwest corner of Fulton and Lafayette in the Masonic Building.
Heitzman & Associates, Inc.
Heitzman & Associates, Inc. 233 East Fulton, Suite 216 Grand Rapids, MI 49503 Phone: (616) 774-2372 Toll Free: (800) 713-6173 Fax: (616) 774-9099 www.heitzman-associates.com Securities offered through VESTAX Securities Corporation. Member NASD/SIPC. Heitzman & Associates and VESTAX Securities Corporation are not affiliated companies. Heitzman & Associates, Inc. is a member of the Financial Planning Association. CERTIFIED FINANCIAL PLANNER™ and CFP™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. Certified Senior Advisor® and CSA® are registered trademarks owned by the Society of Certified Senior Advisors. Portions of this brochure are derived from What You Should Know About Financial Planning and Why You Should Choose a CERTIFIED FINANCIAL PLANNER™ Practitioner, Copyright ©1998, Certified Financial Planner Board of Standards, Inc. All rights reserved. Used with permission. Additional portions of this brochure are derived from Experience World-Class Senior Advice, Copyright ©2002, Society of Certified Senior Advisors. All rights reserved. Used with permission. ©2002, Heitzman & Associates, Inc.
Creating and nurturing long-term relationships with our clients
The Steps to Sound Financial Planning With knowledge and a commitment to your best interests, we begin the planning process:
ou ma y be near ing rretir etir ement may nearing etirement or alr ead y rretir etir ed and enjo ying etired enjoying alread eady that phase of yyour our lif e ffor or whic h life which you’ ve w or ked so har d. ou’v wor ork hard.
But the issue of making the most of your retirement nest egg is still, perhaps, a pressing one. Questions may linger: Do I have a well-thought-out financial plan? Am I doing everything I can to save and invest wisely? You want to do what’s best, what’s right. Let Heitzman & Associates help you along the journey toward a financially secure retirement. We can help you clarify financial goals and explore ways to maximize existing investments.
Our Histor y History Heitzman & Associates has over 50 years of combined retirement and financial planning experience. We bring wisdom, knowledge, and common-sense qualities to the planning process. We continually seek out and evaluate new and existing types of investments. We regularly attend educational seminars and classes – not only to further our investment knowledge but also to pass that knowledge on to our clients. With this knowledge, we strive to offer the best investment products and strategies available. We work for you, and with you, to help you make thoughtful and wise decisions about your financial future.
First We meet with yyou. ou. We meet with you.
Our Pr of essional Commitment to You Prof ofessional Our staff includes CERTIFIED FINANCIAL PLANNER™ practitioners and Certified Senior Advisors® who specialize in long-term, customized financial planning. TIFIED FIN ANCIAL PLANNER ™ professional is ERTIFIED INANCIAL • A C ER committed to competent and ethical behavior when providing financial planning. CFP™ practitioners have taken the extra step to demonstrate professionalism by voluntarily submitting to the rigorous CFP™ certification process. In addition to significant education and experience requirements, we have passed a comprehensive exam that tests our personal financial planning knowledge and skills. Also, we continually update our abilities, and we abide by the Certified Financial Planner Board of Standards, Inc. Code of Ethics and Professional Responsibility and Financial Planning Practice Standards. tif ied Senior Advisor® has • A Cer Certif tified completed a rigorous course of instruction in the concerns facing senior citizens. Upon completion of the course, we also passed a comprehensive exam to demonstrate our knowledge of the issues and our commitment to meeting the needs of our senior clients. By working with CERTIFIED FINANCIAL PLANNER™ professionals and Certified Senior Advisors®, you have the peace of mind knowing that we take your needs to heart.
We listen and learn your special needs and goals. We realize that each client has unique objectives and risk tolerances.
Second We anal yze and eev valuate yyour our analyze cur inancial situation. currrent ffinancial With your approval, we confidentially assess your assets, liabilities, cash flow, current insurance coverage, investments, and tax strategies. We compare your current financial situation to your desired goals.
Third We de velop and pr esent ffinancial inancial dev present planning str ateg ies. ategies. strateg We meet with you to discuss our recommendations. We listen to any suggestions you may have. And we revise strategies where appropriate. In short, we help you make informed decisions.
Fourth
We implement and monitor financial decisions. We offer a variety of investment products and services to fulfill varying needs. We meet with you as often and as necessary as you see fit – to answer your questions, review your investments, and make adjustments to your portfolio. If you have issues or needs that we cannot fulfill, we refer you to the right professionals, including attorneys and certified public accountants.