Our services

Final Expense

Ensure your loved ones are financially protected from the burden of end-of-life expenses. Our final expense solutions provide peace of mind and allow your family to focus on what matters most during difficult times.

Life Insurance

Protect your family’s financial future with customized life insurance options. From term to whole life coverage, we’ll help you find the plan that best suits your needs and goals.

Safeguard your home and provide financial security for your loved ones. Mortgage protection ensures your home is protected even in life’s most unexpected moments.

Mortgage Protection

At SKM Financial, we make it easy to protect your family, secure your future, and achieve your financial goals. Whether you're planning for life's milestones or preparing for the unexpected, we’re here to help.

Retirement Planning

Plan today for a secure and comfortable tomorrow. Our retirement planning services help you build a roadmap to financial freedom so you can enjoy your golden years with confidence.

Tax Planning & Preparation

Simplify the tax process and maximize your savings with our expert tax planning and preparation services. Let us help you navigate complex tax laws and keep more of your hard-earned money.

Get a comprehensive review of your financial situation. We’ll assess your income, expenses, and goals to create a personalized strategy that aligns with your future aspirations.

Financial Needs Analysis

Take the First Step Toward Financial Freedom!

Schedule A Free Consultation Today

What to Have Ready for Your Financial Needs Analysis (FNA) Meeting:

To make the most of your Financial Needs Analysis, please have the following items readily available during our meeting. These will help us assess your financial situation and create a personalized plan for your future.

Income Documentation:

• Recent pay stubs or income statements

• Details of any additional income sources (side business, investments, etc.)

Insurance Policies:

• Current life insurance policies (type, coverage amounts, beneficiaries)

• Any mortgage protection or additional insurance policies

Retirement Accounts:

• Recent statements from retirement accounts (401(k), IRA, pension plans)

• Details of employer-sponsored retirement plans (if applicable)

Debts & Liabilities:

• Current balances on mortgages, loans, credit cards, or other debts

• Monthly payment amounts for each debt

Savings & Investments:

• Recent bank statements (savings, checking accounts)

• Investment account statements (stocks, bonds, mutual funds, real estate, etc.)

• Emergency fund details (if applicable)

Mortgage Information (if applicable):

• Mortgage balance and monthly payment

• Details on any mortgage protection plans

Tax Information:

• Most recent tax return or tax documents

• Any ongoing tax planning strategies you use

Financial Goals:

• Notes or thoughts on your short-term and long-term financial goals (retirement, education, home ownership, etc.)

• Any specific concerns or questions you would like to discuss during the meeting

By having these items on hand, we can efficiently review your current situation and develop a tailored strategy that fits your needs. If you have any questions before the meeting, feel free to reach out!

What is a Financial Needs Analysis (FNA)?

An FNA is a comprehensive review of your finances, including:

• Income and expenses

• Savings and retirement goals

• Life insurance and mortgage protection needs

• Emergency fund and tax planning strategies

Why Schedule a Free FNA?

• Personalized Plan: We’ll create a strategy tailored specifically to your needs.

• Expert Guidance: Work with licensed professionals who care about your financial success.

• No Obligation: This analysis is completely free with no pressure or commitment.

• Secure Your Future: Take control of your financial future with the right tools and advice.

How It Works:

1. Select a Time: Use the scheduling tool below to pick a convenient time for your free consultation.

2. Prepare for Your Meeting: We’ll send you a confirmation and a short questionnaire to help us understand your financial goals.

3. Meet with a Licensed Professional: During the call, we’ll discuss your financial situation, goals, and options available to you.

FAQ