Broker Check

126 W Chatham St
Cary, NC 27511


David Hellinger

(919) 749-7596



Financial planning pulls all your finances together, organizing them and making management easy and effective. The more you understand and better manage your wealth, the more prepared you are to pursue your goals and dreams.

The key to creating a successful financial plan is ensuring that it covers your current and future financial needs. The best way to determine your particular needs is by spending time with me, considering your options, defining your goals, and evaluating your resources.

The following are some common areas to consider when planning your
financial future:

Monthly Budget
Addressing your monthly budget is an important first step in successfully managing your overall finances. Failing to have a clear picture of your regular recurring bills and expenses can dramatically reduce your ability to meet your financial objectives.

Fundamental to building a secure, manageable future is saving for the unexpected as well as the expected. Saving is easier if you “pay yourself first” and build in automatic savings into your budget.

Risk Management
Risk can take many forms: illness, accident, liability, and natural disasters, to name a few. Failing to manage risk properly can jeopardize your financial future. That’s why smart financial planning evaluates the various levels and types of insurance you carry to make sure they’re aligned with your overall goals and needs. In many cases, insurance can also be used effectively as an alternative revenue stream and a hedge against inflation and riskier types of investments. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. I can provide you with costs and complete details.

Education Funding
The costs of education for children and grandchildren can be staggering and are seemingly always on the rise. Education is often one of the largest expenses you’ll incur. Arm yourself with current information about the variety of proactive education savings vehicles that can help you plan your funding goals while manage exposure to big surprises or long-term debt.

Retirement Planning
Social Security benefits, employer-sponsored plans, and personal retirement savings including investments, IRAs, and annuities typically combine to comprise the retirement income for most Americans. Deciding which retirement choices will serve you best can be daunting, but I can guide you to the options that will support and potentially enhance your overall investment and tax strategies.

Estate Planning
Your legacy is in your hands. Only through diligent monitoring can you be assured that your assets will be transferred effectively and according to your wishes to the people and charities you care about most. Establishing trusts, regularly reviewing your legal documents and beneficiary designations, and examining tax implications for survivors are vital to establishing a plan that provides you and your loved ones with greater confidence and security.

Getting Started
Let me know that you want the benefits of financial planning for you and your loved ones and schedule an appointment to begin the process. The more information you provide me the better. Even if you drop off a box filled with your essential financial records, that’s often enough to allow me to start creating your customized financial plan. Once your plan has been created, you and I will review it regularly to help you stay on track towards your goals. As life changes, so does your financial situation. I will strategize with you to help you address these changes and keep you on the path to financial independence.

Other areas include Tax Planning, Wealth Accumulation, Investment Planning, and Financial Position Assessment.