You set the objectives, we handle the details.​
​Services Overview

At Three Bearings, we believe that successfully reaching your goals requires a thorough approach. This is why every relationship starts with a financial plan that addresses key areas that will help keep a plan on course over a lifetime. While retirement may be the primary long-term goal, short-term objectives should also be incorporated to ensure your plan can achieve both.

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Call: 800-927-7365 or email [email protected]

Our first task together will be to discuss and develop a plan that includes the following:

Retirement Planning

Early career – It can be a bit harder to plan for objectives that are further in the distance but the earlier you start, the easier the job will be down the road (avoid difficult course corrections right before retirement – having to save more). Your experienced advisor will help you address questions like:
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• Am I saving enough? 
• How can I best utilize my company retirement plan?
• Should I make Roth or traditional retirement plan contributions?
• What are the best investment options for me?

Nearing retirement – At this point your retirement vision should be in better focus. Questions turn from accumulating wealth to how best to draw down various retirement accounts. Changes to your investment strategy may also be needed to manage risk as you transition from saving to spending down your portfolio. Navigating decisions around Social Security (when to claim benefits) and Medicare (choosing the best plan) and ensuring a surviving spouse will be taken care of become more important at this stage.

Tax Planning & Return Preparation

Taxes are a drag. They are a drag on your investment returns and will reduce your disposable income both while working and during retirement. This is why taxes are always part of our planning conversations at Three Bearings. Your advisor will review your tax return and discuss possible tax savings opportunities with you including taking full advantage of tax-advantaged investment accounts and ensuring your investment portfolio is not triggering avoidable taxes by using inefficient vehicles or holding assets in the wrong type of account. Tax planning will also address which accounts to draw down first during retirement and whether lifetime taxes can be reduced by converting some pre-tax money to Roth.
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​For most of our clients, we also prepare and file their federal and state tax returns, making this tax planning work more seamless.

Investment Management

Investments are the motor propelling your financial plan forward. Our advisors understand this and work hard to match your investment plan with your dreams for retirement. How do I retire early? How do I best structure lifetime giving? How do I build travel into my plans? How do I fund a relocation to a new state? We know these goals are unique to you and view it as our job to listen to what you want out of life to make those dreams a reality. ​

Risk Mitigation with Insurance

Every plan can be driven off course by low-probability but high cost events like loss of the ability to earn income, high health care costs, or damage to property. Each of these have a financial cost that can be significant and difficult to overcome. To address these risks, your planner will review your insurance coverages to ensure that you have adequate disability and life insurance coverage to protect your ability to earn income, health and long-term care insurance to protect against high health care costs, and appropriate property and liability insurance to protect other assets.

​Estate Planning

​Estate planning addresses how your financial affairs and assets will be managed after your death, or during life should you have a period of incapacity that requires some outside help. Your estate plan will ensure that a surviving spouse is adequately taken care of and, if assets will eventually go to children, that the transition is handled as efficiently as possible with tax consequences minimized. Your TBFA advisor will help you review your existing plan, or get one in place if you have procrastinated, to be sure that the documents fit your goals, assets are properly titled to meet your goals, and beneficiary designations are appropriate. 

College Planning

Incorporate tax-advantaged investment strategies into your plan to help pay for college expenses.

• Navigate financial aid
• Evaluate funding options and ways to reduce costs
• Take advantage of tax deductions and credits

Have a plan in place for how this large expense will be covered offers tremendous peace of mind.