Worried that you’llRUN OUT OF MONEYin Retirement?

We’re here to help you feel confident in your financial future.

Your Dreams Matter

At Frederick Financial Group, we believe everyone should be able to live the retirement they’ve always wanted.  Using a variety of investment and insurance products and strategies, our team of professionals will develop and implement a well-thought-out retirement strategy addressing all your needs and concerns.

Our Financial Readiness
Planning Process

Discover how we create our confidence-boosting financial plans:

  • Step 1: Discover

    We listen to every detail regarding your financial situation to learn everything we can about the concerns, values and goals that are unique to you and your family.

  • Step 2: Develop

    Based on our in-depth understanding of your situation, we’ll develop and present you with an integrated, comprehensive set of recommendations.

  • Step 3: Implement

    Once you review and approve your plan and are completely comfortable with all the details, we put it into action.

  • Step 4: Monitor

    We regularly review and communicate your progress toward your goals. As your life circumstances or markets change, we make course corrections accordingly.

We offer services in these three areas:

Grow

Prepare for retirement by putting your hard-earned assets to work.

How?

Retirement Income Strategies
Wealth Management
Annuities
Investments
IRA/401(k) Rollovers
Health Savings Accounts
Supercharging Your Existing 401(k) /TSP

Preserve

Protect the assets that can help you live the retirement you’ve always imagined.

How?

Asset Protection Strategies
Life Insurance
Tax-Efficient Income Strategies
Long-Term Care Strategies
Asset and Wealth Protection Strategies
Estate Conservation

Give

Provide for the people and causes you care about the most.

How?

IRA Legacy Planning
Tax-Efficient Wealth Transfer Strategies

We can also refer you to professionals who provide the following services:

Home and Auto Insurance
Tax Preparation
Wills
Estate Planning
Asset Protection
Medicaid Planning
Legacy Planning

We get in-depth with these resources:

Wealth Management

We don’t put our clients’ money at risk with set-and-forget tactics; we don’t incur unnecessary costs trying to time the market. Instead, we use a disciplined-yet-nimble approach designed to protect and grow our clients’ capital, whether it’s in planning, investments or retirement. This strategy is divided into three categories according to your goals and comfort level with risk:

1. LIQUID SAVINGS

This is money that’s readily available for living expenses and emergencies. It’s kept in cash or very conservative investments.

2. INCOME

After we create your liquid savings, we forecast your known sources of retirement income and expenses. If gaps occur, we’ll develop a plan to help provide a safe, predictable and assured stream of income so you don’t have to worry.

3. INVESTABLE ASSETS

With your savings and retirement income secured, we can put the rest of your cash to work in the market. We only use no-load funds and no/low-cost ETFs. For those interested in a more advanced investment approach, we also offer options trading and tactical asset allocation investing.

Our Fiduciary Obligation to You

As a fiduciary, Frederick Financial Group has the legal responsibility to act SOLELY in your best interest. To do this, we have three pillars that inform every plan we create and separate us from other financial advisory firms: 

Independence

We don’t answer to a big brokerage firm, a bank or any other corporate parent. As a result, we face zero pressure to push products and solutions that might not be the best for your situation. Our success is measured solely by your ability to achieve your goals.

FEE-ONLY INVESTMENT MANAGEMENT

In our view, there is no better way for an advisor to ensure unbiased advice than using a fee-only business structure. Clients pay us fees, and in return, they receive unbiased advice on all aspects of their financial lives. That’s very different from most advisors, who are paid in the form of sales commissions — or even fee-sharing — from product manufacturers.

Investment Adviser Representative (IAR) Standards

IAR is the only type of securities license that includes the legal requirement to act as fiduciaries. That means we must, by law, put our clients’ best interests ahead of all other considerations, including our compensation.

Wealth Management

Insurance

Our passion is matching the right insurance solution with the right insurance company for clients’ unique goals and objectives.

We work hard to share crucial information about how insurance products work and how they fit into an overall financial and legacy plan. When you work with Frederick Financial Group, you’ll walk away with a customized plan built around the product(s) specifically chosen to help you achieve their goals. We offer uniquely tailored plan in:

Life insurance

Disability insurance

Long-Term care insurance

Insurance

Annuities

As financial professionals, we’re committed to helping you build confidence in your retirement plan, whether you’re approaching your golden years or currently living them! To help you do that, we offer a variety of annuity products designed to help you live your best retirement:

Immediate annuities

Deferred annuities

Traditional fixed annuities

Fixed index annuities

Variable annuities

Annuities

Ready to Take
The Next Step?

For more information about any of the products and services listed here, schedule a call today.

Schedule a 15 Minute Call