We are a completely family-managed company. WMS Financial Planners Inc, aims to be that trusted advisor you know that you can always rely on. We encourage our clients to have a proactive approach to their personal finances, as well as providing them with the proper understanding to achieve their personal financial goals. We really do want you to fully understand the basic concepts of financial management and why it is so important to have a trusted advisor on your side. We offer a multitude of financial services including, Investment Planning, Retirement Planning, Tax Planning, Risk Management and Estate Planning.
William M. Swayne II believes hard work is key in offering its clients first-rate Risk Management Planning Services, specifically with regard to insurance policies. Do you really understand your existing insurance coverage, and the insurance coverage that you require? Unfortunately, the two things do not always dovetail smoothly. Not having the correct insurance could have serious implications on your financial stability – you just never know when an emergency could happen. Another service WMS Financial Inc. offers is evaluating your long-term care insurance plans. People continue to live longer, and unfortunately our bodies cannot keep up with our minds or vice versa, leading us to need care in an assisted living facility, which can be very expensive.
WMS Financial Planners believe there are three basic choices with all types of insurance. The first choice is to self-insure. This means having enough assets that can cover any need that might arise. The next option is putting the risk in an insurance company and paying all the required fees. The third option, the one that we promote, is that you share the risk as much as possible. We can show you how this is possible through Risk Management Planning, where we work on keeping the insurance premiums low and use the necessary coverage to cover the sectors that are the biggest risk to you and your finances. This option is the best of both worlds, as it is sort of a combination between self-insuring and paying insurance companies exorbitant fees. We make sure that you receive just the right amount of insurance and successfully avoid being over-insured and therefore paying very high insurance prices.
Our company works to make sure that you find the proper balance in regards to your finances, and receive the highest possible benefits. As William Madison Swayne is fond of repeating, with our family and associates you can always rest assured that the advice being given is ideally suited to your actual needs.