Brower Financial Group

We specialize in: Personalized financial, retirement and investment planning Individual Investment Accounts (including brokerage, IRA, Roth IRA, 529) Individual Insurance (including life, disability, long-term care) Group Retirement Plans (including 401(k), 403(b), and profit sharing plans Group Medical, Dental, Life, and Disability plans Who We Are Darby Brower owns Brower Financial Group in Ponte Vedra Beach, and is proud to have chosen J.W. Cole Financial, Inc. as his broker-dealer. As an independent firm, the financial advisors at Brower Financial Group are able to work with your unique interests in mind. Darby and his team of professionals will partner with you to understand your unique needs and goals, help you clarify your objectives, and assist you in creating a long term plan. Our planning focuses on capital accumulation and wealth management to help you achieve your financial goals. Darby can provide you with a full range of investment products and individual insurance services. INDEPENDENCE, OBJECTIVITY and INTEGRITY are the values that lead clients to build a relationship with Darby and his team. What We Do The first step is to gather the necessary data to ensure a thorough understanding of your situation. This becomes the basis for the creation of a financial model used to evaluate your current financial situation. It will show your current asset allocation, your net worth, the direction and rate of its change, your cash flow, income and estate tax liability, and other items. Also, we’ll review your wills, trusts, life and disability insurance, and any other legal arrangements you’ve created. Step two is to develop your personal financial objectives. Frequently, our clients say “it’s to make sure that I have a source of income that I cannot outlive, and secondarily, to leave a legacy for my family, and perhaps the community.” But, often, it’s more complex and involves thinking about things that you have never considered, prompted by questions that perhaps you have never been asked. Step three consists of identifying problems that are present in your current planning. This is basically a a process of reconciling the likely outcome, based up on your current arrangements, with your desired outcome, as described in your objectives. It is in this third step that the full benefit of the planning process becomes apparent. Issues that you never thought of and problems that you never realized existed will be identified – simply because your financial picture was never so completely developed and your objectives never so clearly and completely stated. Step four entails the development of recommendations – specific strategies for implementation. Equipped with pros and cons of each, and an economic model to determine their impact, you’ll be in the best position to determine which is right for you. Many strategies decisions you will elect to implement 0 some now, some in the future – others you will reject. But the decision will be yours. The agree-upon strategies will be put down in writing in a comprehensive report. The fifth step is implementation. This is where your other professional swill be most instrumental. You will have a game plan, a specific course of action to take to your attorney. Armed with this information, he or she will be in a position, as never before, to help you. He or she will draft or amend the required documents. Your CPA will be instrumental in the documentation of many of the strategies involved. Again, there are strategies that, had you not first determined your basis (your objectives) and a method of evaluation (the financial model), you would not have been equipped to pursue. Step six is the ongoing review process. At least annually, an update of your plan should be done to encompass any changes in the economy and the tax law, as well as in your personal situation and objectives. As a result of this process, you can be comfortable that your plan continues to be up to date.

Address: 250 A1A North Suite 100 Ponte Vedra Beach, FL 32082 USA

Phone: +1 904 280 4015
FAX: +1 904 280 9764