Financial Advice
What Is Provided
Toole Financial may be able to assist you where the scope of the financial support required involves an inquiry into only one aspect of your financial situation. Advice may not be able to be provided if comprehensive financial planning is required. In this case, an analysis of your options will be provided in a written report, but no recommendation will be given.
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Some areas for which Toole Financial can provide direction are:
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Retirement saving (both with YMCA Retirement Fund and with outside investments), including taxable, tax-deferred, and Roth opportunities
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Annuity and withdrawal strategies for your accounts with the YMCA Retirement Fund
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Social Security claiming strategies
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College planning (college search and funding)
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Creating a spending plan
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Analyzing insurance coverages
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Reviewing employer-based benefits plans
Pro Bono Guidance
Toole Financial can provide up to one hour of free consultation* regarding your accounts with the YMCA Retirement Fund if you can answer “yes” to the following 5 questions:
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Do you have 30 or more years of Y service?
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Are you age 65 or older (age 60 or older if leaving work due to a permanent disability)?
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Are you a current Y employee, or did you leave Y employment within the last 90 days?
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Do you have less than $200,000 in your 401(a) Retirement Plan with the YMCA Retirement Fund?
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Do you have less than $500,000 (single) or $750,000 (married) in total assets, not counting your primary residence?
If you can answer “yes” to all of these questions, we can help.
*Toole Financial reserves 2 consultations per month for this service.