Advantages of working with a Virtual
Comprehensive Financial Advisor
In today's fast-paced digital world, managing your finances can be a complex task. From investment management to estate planning, the financial landscape is filled with opportunities and challenges. That's where a virtual financial advisor comes into play. At Stack Enterprises, we offer comprehensive financial advice that covers all aspects of your financial life. Here's why working with an online advisor like us is an idea worth considering:
- Comprehensive Financial Advice at Your Fingertips
With a virtual advisor, you have access to qualified & licensed professionals providing guidance on financial planning, investment management, life insurance, annuities, long-term care, Medicare, health insurance, homeowners and auto insurance, tax planning, and estate planning—all from the comfort of your home.
- Certified Financial Planner Professional
Corey M Stackhouse has obtained his CFP® certification and is dedicated to providing personalized solutions tailored to your unique needs and goals. Our business leverages cutting-edge technology to deliver quality service without the need for physical meetings.
- Investment Management Made Easy
Investing can be a daunting task, but with our virtual financial advisor, you'll receive professional assistance in building and managing a portfolio that aligns with your financial objectives and comfort levels with risk.
- Insurance Solutions for Protecting your financial plans
Whether it's life insurance, annuities, long-term care, Medicare, health insurance, homeowners, or auto insurance, we've got you covered. Our online licensed agents will help you choose the right products to protect what matters most.
- Tax Planning and Estate Planning Expertise
Effective tax planning and estate planning requires specialized knowledge. Our virtual advisor is well-versed in the latest tax laws and estate planning strategies, providing advice with the aim to efficiently protect and preserve your hard-earned assets.
- Convenience, Flexibility & Time Savings
The beauty of working with a virtual financial advisor is the convenience and flexibility it offers. You can schedule appointments, review your financial plan, save time from not having to drive to a physical location to meet with your financial advisor or insurance agent, and communicate with your advisor anytime, anywhere.
Book a complementary appointment with us today and discover how our virtual financial advisor and insurance agents can potentially saved you time, money, and make a positive impact in your life. At Stack Enterprises, we believe in empowering and educating our clients with the tools, knowledge, and potential solutions they need to achieve their financial goals.
Services
Retirement Income Planning
Investment Management
Estate Planning
Tax Planning
Full Insurance Services
Family Planning
Could we be the right fit?
Fill out the following form and let me know a little bit about you and your current situation to see if we might be a good fit for each other.
How about a virtual coffee date?
If you'd like to talk more specifics about the value I might be able to provide, feel free to book a complementary appt with us using my calendar.
Email or Call us if you can't find a good time for you!
What does your financial plan look like?
Ready to take control of your financial future? With Stack Enterprises, it's easier than ever. We utilize the innovative Right Capital Financial Planning Software to help our advisor aim to provide comprehensive retirement simulations that are tailored to your unique financial situation. Don't leave your future to chance - start planning today. *While software provides tools for planning, the actual financial outcomes can vary*
What is your Risk #?
Building Your Investment Strategy Using Nitrogen
Nitrogen is award-winning technology that quantifies your acceptable levels of risk and reward. Using this tool, we ensure that your portfolio defines your investment goals and expectations. Together, we can take the guesswork our of your financial future.
Let’s get started.
Define Your Risk Number
The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact Risk Number to guide our decision making process.
Align Your Portfolio
After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected out- comes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.
Define Your Retirement Goals
We will also review your progress toward your financial goals by building a Retirement Map. When we are finished, you’ll better understand what we can do to increase the probability of success.
For the chance at gaining
+$12,996
+13%
I’m comfortable risking
-$7,996
-8%
Screenshots: Risk Number® and sample six-month 95% Historical Range and a sample Retirement Map
Disclosure: All investing involves risk, including possible loss of principal. No investment strategy can guarantee a profit or protect against loss.
Risk is a crucial factor to consider when aligning investments with a retirement income plan. As individuals approach retirement, their investment objectives often shift from growth-oriented strategies to preservation of capital and generating consistent income. By understanding and assessing risk, financial advisors can help clients strike a balance between growth potential and protecting their retirement nest egg.
Firstly, risk assessment allows financial advisors to gauge an individual's risk tolerance and time horizon. Different investors have varying levels of comfort with market volatility and potential losses. By understanding a client's risk tolerance, advisors can recommend appropriate investment options that align with their comfort level. Additionally, considering time horizon is vital as it affects an individual's ability to recover from potential market downturns. Older individuals nearing retirement may have a shorter time horizon and may need to prioritize capital preservation over high-risk investments.
Furthermore, aligning investments with a retirement income plan requires diversification to mitigate risk. Diversifying investments across various asset classes, such as stocks, bonds, and real estate, can help reduce the impact of market volatility on the overall portfolio. This diversification can provide a more stable income stream during retirement, as different asset classes tend to perform differently in different market conditions.
In conclusion, risk assessment is crucial when aligning investments with a retirement income plan. By understanding an individual's risk tolerance and time horizon, financial advisors can recommend suitable investment options. Additionally, diversifying investments can help mitigate risk and provide a more stable income stream during retirement. Ultimately, considering risk allows individuals to strike a balance between growth potential and protecting their retirement savings.
Have you completed a comprehensive review of your current health insurance plans?
Reviewing your Medicare and health insurance plans annually is crucial for several reasons. Firstly, health care needs can change from year to year. What was adequate coverage last year may not suffice this year. Secondly, insurance companies often make changes to their plans, such as modifications in cost, coverage, and which doctors and pharmacies are in their networks. Keeping abreast of these changes can help you avoid unexpected costs and ensure that your plan still meets your needs.
Moreover, an annual review can also help you take full advantage of new benefits or programs that your plan may offer. For instance, many Medicare Advantage plans now offer benefits like meal delivery or transportation to medical appointments, which you might miss out on if you don't review your plan.
As for the average statistics, various studies show that a significant number of households are either not maximizing their benefits or overpaying for coverage. According to a study by J.D. Power, around 1 in 5 Medicare beneficiaries are overpaying for their coverage, often by hundreds of dollars a year. Another report by the National Bureau of Economic Research found that households could save an average of $1,000 per year if they chose the most cost-effective health insurance plan.
Therefore, an annual review of your Medicare and health insurance plans is not just a good health practice, but also a financially prudent one. It ensures that you have the right coverage for your needs and that you're not overpaying for it.
The Crucial Role of Annual Property & Casualty Insurance Reviews in Your Financial Plan
In the world of financial planning, many individuals often overlook the importance of regularly reviewing their property and casualty insurance coverages. However, this review is an essential part of your financial health check-up, just like your annual physical examination is crucial for your overall health.
Why is this so important, you might ask? The answer lies in the complex and dynamic nature of our lives. As our circumstances change – whether through purchasing a new home, adding a teen driver to your auto insurance, or even starting a new business – so too do our insurance needs.
The primary purpose of property and casualty insurance is to protect your financial assets against potential losses. These losses can arise from a multitude of sources, including natural disasters, accidents, or lawsuits. By conducting an annual review of your insurance coverages, you ensure that your policy remains up-to-date and continues to provide adequate protection for your assets.
Liability levels play a significant role in this process. Liability coverage is a crucial component of your insurance policy that protects you if you are found legally responsible for an accident. It covers the costs of bodily injury and property damage to others, legal expenses, and more. If your liability levels are too low, you might find yourself financially exposed in the event of a significant claim. Conversely, if they are unnecessarily high, you could be overpaying for coverage you don't need. An annual review allows you to adjust these levels to reflect your current risk profile accurately.
Moreover, an annual insurance review can lead to substantial savings. According to recent studies, auto insurance drivers often leave an average of $368 on the table each year due to lack of regular reviews. By adjusting your coverage levels, deductibles, and taking advantage of discounts, you can ensure you're getting the most bang for your buck.
In conclusion, an annual review of your property and casualty insurance coverages is a vital part of your financial planning process. It ensures that your insurance policy continues to provide adequate protection for your assets, allows you to adjust your liability levels accurately, and can lead to significant savings. So, don't let another year pass without giving your insurance policy the check-up it needs. Your financial health depends on it.
Our Team
Stack Enterprises is not just your financial advisory firm or insurance agency; we are partners in your financial journey. Our team is composed of dedicated professionals who are committed to providing you with personalized financial strategies and insurance solutions. We prioritize your financial well-being above all else and partner with you through the complexities of financial planning and insurance. We are dedicated to providing our highest level of customer service tailed to our clients!
Corey M Stackhouse, CFP®
Founder | Financial Advisor
Kaitlyn Brown
Executive Assistant
Leslie Cornine
Property & Casualty Specialist
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Stackhouse Capital LLC is a state registered investment adviser. Stackhouse Capital LLC may only transact business in those jurisdictions in which it is registered or qualifies for an exemption or exclusion from registration requirements. Stackhouse Capital LLC's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Stackhouse Capital LLC’s web site on the Internet should not be construed by any consumer and/or prospective client as Stackhouse Capital LLC’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Stackhouse Capital LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Stackhouse Capital, LLC: A copy of Stackhouse Capital LLC’s current written disclosure statement discussing Stackhouse Capital LLC’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from directly from Stackhouse Capital LLC upon request at no additional cost. Please contact us via email @ service@stackenterprises.com to obtain a copy of any requested firm documents.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
Insurance products and services are offered and sold through Stackhouse Insurance LLC and individually licensed and appointed insurance agents.
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