Financial planning provides a long term strategy for your financial future, taking into consideration every aspect of your financial situation and how those aspects relate to achieving your goals and objectives. A comprehensive financial plan can help you construct the foundation on which to continue to build your financial future.

INVESTMENT PLANNING

In the investment planning process, we begin by focusing on your unique situation and goals, risk tolerance and income tax considerations. We then utilize an asset allocation strategy, diversifying into different asset classes, tailored to each individual investors personal profile.

The next step is to help you find the right investments for your goals. We utilize investment companies that have a long track record of success, companies that are well known by their name and results achieved.

RETIREMENT PLANNING

Planning your retirement is essential to your future. We can estimate your retirement expenses and build a tax sheltered nest egg for your future. We will review your Social Security benefits, your retirement plans such as IRA accounts, 401(k)s, Company Pension & Profit Sharing plans as well as your individual investment & savings plans.

Based upon the amount of retirement income desired, we will develop an investment plan that takes into consideration your risk tolerance, inflation and tax planning needs. Our objective is to help you obtain the financial security desired during retirement while enhancing return and protecting capital.

RISK MANAGEMENT

We provide detailed analysis in each of the following areas:

Life Insurance
Disability Insurance
Health Insurance
Long-Term Health Care

In an attempt to identify and uncover financial risk for your particular situation, we address the area of insurance if there is a need to transfer the risk to someone else. This process involves determining the amount of need and then deciding among a multitude of competing policies and companies to transfer the risk to.

ESTATE PLANNING

In conjunction with your legal professionals, G. H. Hubbell & Associates coordinates strategies for conserving the assets you accumulate during your lifetime, and distribute them according to your wishes at the time of your death. This analysis includes a review of the following topics:

Wills, Trusts & Probate
Unlimited Marital Deduction
Unified Credit
Elder Law & Medicaid
Health Care Issues
Living Will
Asset management upon disability or incompetence.
Reducing or eliminating the burden of estate taxes upon your death.
Charitable Planning through Trusts and Family, Private and Public Foundations.
Advantages of Family Limited Partnership discount valuation.

G. H. Hubbell & Associates provides counsel in the estate planning area by determining your current estate liquidity and estate tax obligations. We will make recommendations regarding the basic structure of your estate and how you may maintain liquidity and reduce your estate tax burden in the future. Should the need arise for management of your estate in the event of death, we will assist your heirs in accordance with your instructions and our knowledge of your financial plan.

COLLEGE PLANNING

We can estimate the future college costs and recommend an investment strategy to provide for those expenses.

We assist you in planning for these future outlays by analyzing your overall financial picture and identifying resources to use for this purpose. Our analysis will determine the appropriate amount to set aside each year to fund your children's education, and the appropriate investments to meet your goal.

Gregory H. Hubbell, Registered Principal of and Securities Offered Through Foothill Securities, Inc. Member FINRA and SIPC.