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Financial Planning

Church in Brazil

Investing in Values. Building for Eternity.

Financial Planning Services

As part of the recommendations provided, the Client may receive additional financial planning advice/recommendations tailored to their overall financial situation. This may include, but is not limited to:

Religious Meditation

  • Budget analysis: A detailed review of income, expenses, and spending habits to identify opportunities for saving or reallocating resources.

  • Goal projections: Estimates and strategies to help the Client plan for specific objectives such as retirement, education funding, home purchases, or other major life events.

  • Cash flow planning: An assessment of expected inflows and outflows to ensure liquidity needs are met over time.

  • Net worth statement: A snapshot of current assets and liabilities to evaluate overall financial health.

  • Investment allocation guidance: High-level suggestions on how to align investments with the Client’s risk tolerance and goals.

  • Insurance needs review: An overview of existing coverage and potential gaps in areas such as life, health, disability, or property insurance.

  • Tax planning considerations: General guidance on ways to improve tax efficiency within the Client’s financial strategy.

  • Estate planning considerations: Basic recommendations regarding wills, trusts, and beneficiary designations, in coordination with the Client’s legal counsel where appropriate.

This information is intended to support informed decision-making and help the Client take actionable steps toward their financial goals. If a conflict of interest exists between the interests of St. Therese Financial LLC and the interests of the Client, the Client is under no obligation to act upon St. Therese Financial LLC's recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through St. Therese Financial LLC. This service will be provided at no additional cost to the Client.

Reach out to us for a complementary financial consultation.

Meetings by appointment only.

Bettendorf, IA 52722

563-726-1507

bschmertmann@stffinancial.net

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St. Therese Financial Trademark Logo. Financial advisor experts in faith-based investing.

563-726-1507
bschmertmann@stffinancial.net

Bettendorf, Iowa   52722

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All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results.

 

Opinions expressed herein are solely those of St. Therese Financial LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by St. Therese Financial LLC an Investment Advisor in the States of Iowa and Illinois. Being registered as an investment adviser does not imply a certain level of skill or training. Insurance products and services are offered by Brennen Schmertmann, independent agent.

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The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the States of Iowa and Illinois or where otherwise legally permitted.

 

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When you follow a link to one of these sites neither St. Therese Financial LLC, nor any agency, officer, or employee of the St. Therese Financial warrants the accuracy, reliability or timeliness of any information published by these external sites, nor endorses any content, viewpoints, products, or services linked from these systems, and cannot be held liable for any losses caused by reliance on the accuracy, reliability or timeliness of their information. Portions of such information may be incorrect or not current. Any person or entity that relies on any information obtained from these systems does so at her or his own risk.

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