At Highmark Financial, we explore your financial goals and concerns. Our team then leverages those findings and our extensive experience to craft a personalized strategy that helps you progress toward your ideal financial future. Whether you're just starting out or planning for retirement, our tailored approach adapts to every stage of your financial journey.

Tax planning advice can help you reduce tax liabilities, maximize deductions, and take advantage of tax-efficient investment options. Our proactive approach can lead to significant savings, improved cash flow, productive planning for retirement and your estate, and enhanced overall financial performance.

Creating an investment portfolio that pursues your goals for asset growth while respecting your timeline and risk tolerance is a challenging endeavor. Our team has the experience to help you analyze market opportunities and balance risks and returns while monitoring performance and recommending changes when needed.

A key focus of retirement planning is coordinating retirement income streams. Income sources may include a defined benefit plan like a pension, a defined contribution plan like a 403(b), Social Security benefits, personal savings, and investments. A solid plan can help you maintain your desired lifestyle and manage unexpected expenses.

Estate and legacy planning is crucial for preserving wealth and ensuring your wishes are honored after death. An effective plan helps protect your family's financial future, prevents potential conflicts, and allows for charitable giving. Proper planning will also help your estate avoid legal complications and unnecessary taxes.

Educators and other public employees in Nebraska are typically covered by NPERS, the retirement system for school employees, state and county workers, law enforcement workers, and judges, with distinct benefits and requirements for each constituent group. It's important to make the right decisions at this time because selecting the wrong option could cost you money. Speak to an independent advisor to ensure you are selecting the right option.

Balancing the interests of your business finances and your personal financial strategy requires keen attention and specialized knowledge. We work to help you create complementary approaches that recognize the distinct goals of each and address the unique concerns that you face as a business owner.

401(k) and 403(b) retirement savings accounts are key components of retirement planning for those eligible. Highmark Financial will assist you in optimizing the value of this tool by maximizing matched contributions, selecting investment options that help you pursue your retirement income objectives, and ensuring you consider options like catch-up contributions.