Personal Financial Planning Services

Retirement Planning

Wayne Hummer Financial Advisors take the time to understand each of their clients’ financial objectives, risk tolerances, and future financial goals to help decide the correct path for them. This individualized attention creates a strong bond and develops trust between the client and Financial Advisor that we believe is a critical link and important factor in doing business with Wayne Hummer Investments. Our clients find their brokers to be trustworthy, kind and friendly, and feel their investment needs are being met. The success of these relationships can be attributed to the longevity of our Financial Advisors. Wayne Hummer Financial Advisors have been with the firm for 15 years on average. Although constant turnover occurs in this industry, we are proud of our history and believe continuity of service is a key ingredient of our clients’ success.

Education Planning

Higher education can provide children with the necessary skills to succeed. However, the cost of a university education continues to rise. Next to buying a home, the cost of college, either public or private, is one of the biggest expenses a family will incur. Wayne Hummer Investments understands the importance of establishing a savings plan to prepare for these educational expenses. Our Financial Advisors evaluate each client’s situation and provide the appropriate recommendation for an education savings plan. Wayne Hummer Investments offers two distinct education savings programs (“529” College Savings Plan and the Coverdell Education Savings Account) to help prepare families for future educational expenses.

Estate Planning

Wayne Hummer helps clients establish financial plans designed for their lifetime and address the future needs of their families, favorite charities, and other beneficiaries. Our Financial Advisors and Trust Administrators take financial concerns, unique circumstances, and tax considerations into account when dealing with each estate. We work with our clients and their attorney and accountant as part of their estate planning team. This involvement gives us a better understanding of our clients’ plans and helps us administer and invest the assets more effectively. We also provide for survivors’ needs and the disposition of property and assets.

Insurance Planning

No investment plan is complete without assessing the need for insurance. Wayne Hummer is an excellent source of advice on insurance planning. We begin by reviewing a client’s insurable interest, then we propose an appropriate policy type and face amount to efficiently cover the obligations involved. Some investors may benefit by using insurance as an estate planning tool to pass inheritance to heirs in a tax efficient manner, which may be accomplished with an irrevocable life insurance trust. Two other important areas that we address are disability insurance and long-term care insurance.

Investment products such as Stocks, Bonds, and Mutual Funds are:
NOT FDIC INSURED — MAY LOSE VALUE — NO BANK GUARANTEE