Cumby, Spencer & Associates is a design and build financial planning service firm that has been successfully offering their services to family-owned businesses and individuals for over 35 years. Creating a comprehensive financial plan that helps business owners discover solutions to what keeps them up at night in running their business and the challenges of the family dynamics in a small Family Owned Business. CSA’s business planning offers advice in the areas of business growth and forecasting an individual’s retirement cash flow. The comprehensive financial plan requires Bruce and his team to get to know their clients on a personal level. Bruce, being a fiduciary, aligns his values of always placing his client’s best interest first. Best interest first for the people CSA serves was true as a past volunteer EMT and firefighter and today as one the most successful financial planning firms in the country.
Some examples of the type of planning CSA are:
- Estate planning in a changing environment. Are your wills up to date? Have you completed trust planning documents to protect your business and family? Equalization planning for second marriages.
- Business planning: How do we attract, retain, and reward our companies’ key team employees? Buy Sell Agreements review and deferred compensation agreements. Buyouts and valuation planning for a future sale of the business.
- Cash flowing your future lifestyle for Succession and Longevity planning is a great way to build a roadmap to help answer the question frequently asked, what is my number, or will I run out of money? Are your investments aligned with your needs?
Cumby, Spencer and Associates also provides a large array of financial products, such as life insurance, business retirement products and independent wealth management to accomplish their client’s goals. Whatever your retirement dreams are, Cumby, Spencer & Associates is here to help you achieve them and solve any challenges that stand in the way. As an owner of a small business, Bruce J Cumby understands the challenges that most family business owners face in their day-to-day operations.