Solutions for Individuals

Fullbright Financial Group LLC provides individuals and families with innovative, cutting-edge solutions to help them grow, protect and conserve their wealth throughout life.

We take into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you’re going and how to get there. Some of our key services are detailed below.

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Wealth Management and Retirement Planning

We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to ensure management of investment assets according to your goals, risk tolerances and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.

Financial Planning

We provide personalized financial planning to our clients that is specific to several variables including their income, risk tolerance, values, and family. We work with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and execute a plan, and assess the performance of the plan and make adjustments as needed.

Education Planning

Whether it’s for college, grad school, or a continuing adult program, everyone knows that getting an education these days is very expensive. In fact, average tuition and fees rose about 3% in 2014-2015, according to U.S. News data.1

So at some point, you may need a loan for school—whether your child’s, grandchild’s, or even continuing education for yourself. Although you can go through the usual channels to get one—banks/lenders, your 401(k), credit cards—there is another option.

While you may already know that permanent life insurance products, such as whole life and universal life, offer valuable financial protection via a death benefit, if your needs for life insurance or your priorities change, then your policy’s cash value can be accessed via policy loans. The cash value may be significant enough to help you. And the interest on policy loans may be lower than a bank loan. Be aware, however, that loans accrue interest and reduce a policy’s death benefit and cash value.

Estate Planning

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.

Asset Protection

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

Charitable Planning

Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving plan that is in alignment with your personal and philanthropic goals.

Investment Management

Managing your wealth requires a clear understanding of your overall investment objectives. Through Eagle Strategies LLC, our comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons.

Disability and Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.