Comprehensive Financial Planning and Investment Management

With a little planning and some assistance from the South Jersey Financial Network (SJFN), you can strike a balance between enjoying life today and preparing for all your tomorrows. The first step is establishing a personal partnership with SJFN Investment Services to set a course to work toward your financial goals and managing your investments wisely. Let us help you plan and enjoy your retirement, look for tax savings, and/or plan for your children’s education by utilizing the following:

Retirement Planning

Your retirement is far too important to get wrong. You work hard all of your life, so make your work count. You spend many hours planning your day-to-day obligations - spend some time planning for your retirement! You can’t rely on Social Security alone to fund a comfortable retirement. It’s up to you to plan and save your hard-earned dollars. The time to design your financial strategy is now. The sooner you get your retirement financial strategy in place, the more time your money has to potentially grow and to work for you. Take control of your retirement!

401(k) Rollover

If you changed jobs recently, and left behind a 401(k) – or other qualified savings plan – you could be neglecting one of your most important assets! Our advisors can assist you with decisions regarding a 401(k) rollover, including the tax consequences of lump-sum distributions, the tax advantages of a 401(k) rollover, and how to avoid common 401(k) mistakes.

College Planning

Today, college isn’t just a dream, it’s practically a requirement. A bachelor’s degree can mean an income as much as 70 percent higher than of someone with a high school diploma. This greater earnings potential comes with an ever-increasing price tag. The earlier you begin saving, the longer your money can work for you. Education savings vehicles are plentiful and diverse, with a broad range of tax benefits and consequences, financial aid implications, contribution limits, and asset flexibility. Whether you establish a 529 Plan or a Coverdell Education Savings Account, you can take steps to make college dreams a reality.

Insurance & Annuity Products

SJFN offers guidance on a whole range of insurance and annuity products, including Life Insurance, Disability Insurance and Long Term Care Insurance. Our advisors can also offer you qualified assistance in selecting fixed annuity products. *Fixed annuities, contracts between you and an insurance company, are set for a specified term. They offer a fixed rate of interest, so your funds aren’t subject to market fluctuations, and offer a conservative, long-term investment for the future.

*Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 are subject to a 10% IRS penalty tax and surrender charges may apply.

 

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P.O. Box 5530, 1615 Hurffville Road, Deptford, NJ 08096
Phone: 800-582-7640
Fax: 856-232-9190

Securities and financial planning offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. SJFCU is not a broker/dealer and not affiliated with LPL Financial. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities
business with residents of the following states: CA, DE, FL, MD, NC, NJ, NY, OH, PA. Licensed to sell Insurance Products in CA, FL, NC, NJ, OH, PA.