Our Services
Financial Planning
Financial planning is a process that helps you navigate from your current financial position toward the achievement of important goals, while adapting to include new goals, changes in condition, risks, and more​.
Wealth Management
Wealth Management is the process of managing assets to build or maintain wealth. Our tactical management approach is intended to provide measurable and enduring value for our wealth management clients.
Retirement / Life Events
Are you transitioning into retirement, sending kids to off college, preparing for long-term health care, or funding life's big purchases? Our advisors can help you develop actionable plans to confidently pursue your goals.
Financial Planning
Budgeting
Budgeting involves tracking every dollar you earn and spend. Review credit card statements, checkbooks, and receipts over 4-6 months, and use a spreadsheet or software to record and analyze your spending.
Goal Setting
Define your financial goals clearly, including their timing and costs (accounting for inflation). Prioritize your goals and assess the required risk to achieve them, ensuring that the risk aligns with your investment strategy.
Establish a Plan
Determine how much you can save regularly and account for any cash flow changes. Identify the required rate of return and design an investment strategy to achieve it. Evaluate if the required risk aligns with your personal risk tolerance.
Course Corrections
Regularly assess your progress and make adjustments as needed. Adjustments can range from changing your timeline or savings levels to addressing more complex issues. Seek advice to creatively overcome obstacles while minimizing lifestyle disruptions.
Wealth Managment
Wealth management is not only for the affluent; modern technology makes tools and strategies accessible to investors at all levels. At Adams Financial, we recognize that many wealthy individuals begin their wealth-building process well before becoming affluent. We are committed to partnering with families throughout their financial journeys, helping them understand and apply wealth management strategies to achieve their lifetime goals.
Investment Advisory Services
Our Advisors are registered with Cetera Advisors Network, LLC as registered investment advisor representatives. We have numerous platforms to provide ongoing investment advice, portfolio management, retirement plan advice, financial planning advice, and fee-based consulting on a variety of financial matters.
Portfolio Management
We blend strategic asset allocation with multiple tactical adjustments to create portfolios that have a consistent track record of producing targeted results for our clients over time.
Risk Targeting
We establish standard deviation targets for various risk levels—e.g., 40% for aggressive investors and 10% for conservative ones. Using these targets, we create investment models that maximize historical return per unit of risk, resulting in baseline asset allocations tailored to different risk profiles.
Tactical Adjustments
We assess asset valuations and macroeconomic factors, adjusting exposure based on current price opportunities in the market. If an asset class is undervalued, we increase exposure; if it is overvalued, we decrease or hedge risks.
Manager Selection
We consistently evaluate and track asset managers to invest in specific asset categories within our targeted risk/return portfolios.
At Adams Financial, many of our associates are registered to offer securities through Cetera Advisor Networks LLC and are also Advisory Representatives of Cetera Advisor Networks LLC, a Registered Investment Advisor
​In life, we generally plan for specific events- things like retirement income, college funding, saving for long-term health care costs, or funding purchases like autos, homes and vacations. In nearly every life circumstance, there are opportunities to make decisions that could benefit from a well defined financial strategy.
Retirement/Life Events
Career Transition
Unemployment, Employer Benefits, Insurance Decisions- What to Do When You Lose Your Job? Our advisors can guide you with electing unemployment benefits, health insurance, transition budgeting, and understanding retirement account ramifications.
Mortgage Decisions
When should I pay off the mortgage, refinance, or use home equity lines? Our advisors can assist you in understanding how these decisions impact the achievement of your other life goals.
Estate Planning
There are numerous approaches to the estate planning process. Our team is prepared to assist you with a variety of complex matters associated with the Legacy Planning process. Please check out The Legacy Project to provide a wealth of knowledge on how to create an effective legacy plan for your family.
When To Insure
Life insurance may or may not be a solution for every financial situation. Ensuring loved ones will be in good shape financially when a family member passes is an important goal. Our advisors can assist you with determining appropriate levels of life insurance given your unique situation.
REQUIRED DISCLOSURES: Past performance is no guarantee of future results. Investments in securities are not FDIC insured, and may lose value. Please consult a current prospectus prior to investing in mutual fund shares. All information contained herein is gathered from sources deemed to be reliable. For more complete information, please see your official statement. The views are those of Lyn Adams and should not be construed as investment advice. All economic and performance data is historical and not indicative of future results. Investors cannot invest directly in an index.