Taxes

• Tax Planning
  Tax Planning – We examine your tax returns to identify any concerns or issues that may affect your financial well-being. Next, we'll help you find an accountant who specializes in these issues, and we'll provide the investment tools you need to implement your tax plan.
• Roth IRA
  Roth IRAs: Your contributions into a Roth IRA are made with money you've already paid taxes on, which means your money can potentially grow and be withdrawn tax-free in retirement.
• Income Tax
• Tax Deferral

Investment

• Investment Management
  Investment Planning – This process begins by gathering data from you to understand your current life situation. Click on our " Organize Your Life " toolkit to get started.
• Mutual Funds
• Bonds
• Money Market Funds
  Think of diversification as reducing risk. Cline Financial can help you minimize risk in your portfolio by diversifying your investment dollars across different asset types to reduce volatility. A diversified portfolio will generally have assets spread across four asset types, such as domestic stocks, domestic bonds, short-term CDs or money market funds, and international investments.

Planning

• Financial Planning
  After a successful career in business management and consulting, Scott Cline founded Cline Financial Concepts to help individuals and families realize their financial goals. Scott's strong background in economics and financial planning, along with his genuine interest in people, makes him a natural as a financial planner.
• Retirement Planning
  Retirement Planning – Let us customize a retirement plan for you that takes into account your risk tolerance, your lifestyle, and your goals.
• Annuities
  Talk to us about whether it makes sense for you to exchange an existing annuity with another one. Whether it makes sense to move to a new annuity will depend on the surrender charges within your existing annuity. On average, annuities sold by insurance agents charge between 2%-3% in annual fees, and Cline Financial is usually able to find like-kind annuities with flat fees of $240 a year and better access to a range of funds.
• Asset Management
  Our clients always have a choice, and we don't try to push you into a formulaic solution. Some opt to work with us on an hourly fee basis to develop a full financial plan or a plan segment, such as retirement savings or college savings. Others prefer our asset management program, in which we oversee all portfolio activity, while meeting with you regularly to review goals and results.
• College Funding
  Education Planning – Whether you have an infant on the way or a child starting high school, we'll identify 529 Plans or Coverdell Education Savings Account options that may be right for you. We also help you determine your education savings percentage in order to strike the right balance between education savings and retirement savings.