Our Services

In today’s ever changing financial market place, making the right investment decisions takes more than just good luck. It takes the knowledge, wisdom and understanding that only experience can bring. At The Cumberland Financial Group LLC we take great pride in our 76 years of combined industry experience helping client’s address their wealth and risk management needs.  Planning components include:

Retirement Planning – Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing your assets before and after retirement.   Generating retirement income that lasts as long as you do, guaranteed! *
 
Health Care Planning –Working with individuals and businesses to obtain excellent, affordable benefits with top rated carriers: health and wellness coverage, vision, dental, disability, and long term care..
 
Investments -- Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending appropriate investment vehicles that can help you reach and exceed your goals. 
 
Risk Management – Determining unfunded liabilities and the need for life insurance.  Reviewing existing insurance policies and recommending policy changes when appropriate. Finding the best policy to match your needs.
 
Education Funding – Recommending investment and accumulation strategies to help pay for your children’s education including tax advantaged government programs.
 
Estate Planning** – Coordinating with your tax and legal advisors to help preserve your estate for your intended heirs, reducing exposure to estate taxes and probate costs, and assisting with ownership and beneficiary arrangements.
 
Tax Deferred Savings--    Helping individuals and businesses take maximum advantage of tax-deferred savings programs available through State and Federal Government programs.

 

 *Guarantees are based on the claims paying ability of the company.

** The Cumberland Financial Group LLC., does not provide tax or legal advice. Please consult a qualified professional for assistance with any tax or legal issues such as wills and trusts. The information related to estate planning on this web site is general in nature and does not constitute tax or legal advice or a solicitation for any such service. The Cumberland Financial Group is willing to work with your qulaified tax and legal professionals.