Pivotal Financial

Deanna has been in the Financial Services Industry since 2004 and carries a wealth of knowledge and expertise in the area of Insurance advising and risk assessment. Deanna's former background was in Client Care and Human Resources so it was a natural transition into financial services; she is now caring for families and businesses building their financial foundations.

Volatility and risk are different concepts, but both have a role in determining your investment success. Volatility is simply how much the market will increase or decrease, whereas risk is the amount of loss or gain you are willing to accept. The volatility of your investments is often a result of the level of risk you are willing to accept.

Financial strategies are both tactically short- and medium-term processes; while simultaneously taking the long-term strategic view for retirement; potential critical illness and long-term care protection; and estate planning. It is a process that we engage in mutually as client and professional advisor, to aim for and achieve your life goals via professional management of your financial affairs.

A good plan is multi-faceted: It must anticipate change and reflect your specific financial goals and objectives, while considering your level of investment risk tolerance. Your plan should be flexible enough to anticipate life's many fluctuations.

Financial circumstances and responsibilities change over time, such as: a career or income changes; the birth and education of your children or grandchildren; major purchases such as a home; retirement; and other life events, such as a disability or need for long-term care.We'll help you create a plan just right for you.

When a founding owner desires to retire within 10 or 15 years, Succession Planning may be necessary today. We can help you plan to sell, or to pass the company on to the children or another key-person successor while reducing capital gains taxation. Key business leaders can assure that they are covered with both disability insurance to replace income, and life insurance to meet capital needs and cover liabilities such as company debt.