Our Firm

Without a roadmap, the path toward your financial goals can be difficult. Having a comprehensive and up-to-date investment strategy, with a knowledgeable team offering support, may help make the road ahead less strenuous.

At Hibernia Wealth Management, we understand the many concerns individuals and families face as they prepare for retirement, whether that is five or fifteen years away. Our goal is to help clients feel confident about their future and pursue their vision of a comfortable retirement. Through our comprehensive approach, we develop customized retirement and long-term planning strategies that address clients’ individual needs and goals, both short and long-term.

When working with clients, we not only ensure that you’re on track for retirement, but we also honor your wishes in regards to transitioning assets to loved ones and making sure you leave a lasting legacy. For our small business owner clients, we help them build an efficient succession and exit plan to help them feel sure that their business is taken care of.

We seek to develop well-defined measures of portfolio improvement, compared to a baseline portfolio or set of portfolios, that can potentially:

  • Increase long-term returns and/or reduce long-term risk
  • Achieve high expected frequency and magnitude of success
  • Provide a clear and concise approach for the philosophy and process behind the construction of improved portfolios
  • Provide competitive positioning benefits aligned with potential client benefits
  • Improve existing asset growth, with potentially lower volatility
  • Provide access to a differentiated investment value proposition
  • Decrease risk with options such as insurance and annuities

Services

Services

Working with individuals, families, and businesses in all stages of retirement and financial planning, we offer access to a wide array of services, including:

Income Planning

Income planning is a critical element of a solid retirement strategy. A major financial goal is to have a consistent and reliable stream of income that will last through retirement. We can help clients address critical questions, such as how to shift from retirement savings to retirement income, how to estimate monthly income, and how to ensure those assets last.

Social Security Planning

As clients approach retirement, many have a number of questions regarding Social Security. How much will my income benefit be? How do I maximize my benefits? When should I begin taking Social Security? We understand the complexities of Social Security and can address our clients’ questions.

Investments and Asset Management

Many clients transitioning into retirement are focused less on taking risks and focused more on managing and preserving their wealth. We help clients analyze their income sources and determine how to match them with future expenses.

Estate Planning Strategies

Many individuals, couples, and families don’t just want to make their assets last for their lifetimes; they want to leave a legacy for their heirs. However, the financial side of estate planning is often overlooked and can have a significant impact on one's family. We can assist clients in articulating their estate planning needs and coordinate the work of other professionals who may be needed, including attorneys and CPAs.

Insurance Planning

As individuals age, the need for insurance may increase. Products like life insurance and long-term care insurance are two ways individuals can protect their their family and assets. Products like annuities may also be a good way to protect your income and ease the process of transferring your wealth to your loved ones. With so many available programs and plans, it can be difficult to determine an appropriate solution. We can help clients determine appropriate options.

In addition to retirement planning, we also help our clients with other long-term planning needs. Contact us today to learn more.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

info@hiberniawealth.com |  (225) 778-7971

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