Financial planning really starts taking shape as we head into our "second 50 years". This is the time when we begin to realize the fruits of our lifelong efforts and begin to strategize on the end of our working years and income needs during retirement. Some of the considerations are:

• Pension maximization
• Changing life insurance needs
• Long-term care planning
• Trusts, wills and living wills
• Positioning of qualified plans
• Positioning of personal investments
• Homestead & quality of life plans

NCBA has developed a comprehensive financial planning program called MFP³ - Member Financial Planning and Protection Program. We separate planning into the "process" and the "products". The process is the key. Without going through an individual’s desires, needs, financial status and risk factors, it is next to impossible to make sound product recommendations.

Our process uses a computer model that insures consistency to the methodology. Clients have the chance to build up their model to reflect as best they can all of the elements in their thinking. The model provides a report that reflects how well they will do with no changes to their investment strategy. It is at that time that they can either change their assumptions or change their investments or both.

Our MFP³ program and its pricing is geared to work with members of associations or employees of sponsored employers. To find out more about it, contact us at info@ncbainc.com.

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