The financial and investment planning process can be confusing. It is easy to become overwhelmed by the details. To reduce the confusion, it is useful to realize that there are only seven fundamental planning issues. We organize these seven issues into categories labeled Today, Tomorrow and the Hereafter.

Today
The first three financial issues fall under the “Today” heading. They need to be addressed first – Today – before worrying about Tomorrow or the Hereafter. Failure to address these issues today can mean financial disaster today. (It may also spell ruin for even the best laid plans of Tomorrow and the Hereafter.)

All three issues relate to insurance: life insurance, disability insurance and long-term care insurance. Investors need to be sure they are adequately insured – to protect themselves today, and their financial goals for tomorrow and the hereafter.

Rollins Capital Management does not sell insurance. However, we can help you identify potential gaps in your insurance coverage and refer you to a qualified insurance representative, if you don't already have one.

Tomorrow
Two of the seven financial issues affect “Tomorrow” – investing for retirement and saving for children’s higher education (or other large future expenses).

Investing takes time. It affects tomorrow, but needs to start today. If you wait until tomorrow to begin saving, it is too late. As soon as Today’s insurance needs are taken care of, begin investing for Tomorrow.

Investments are the centerpiece of what we do. And, retirement investing is a particular emphasis. Retirement is the single largest future expense facing investors. We help you invest for retirement through a personal investment account, or through established retirement accounts (like a traditional or Roth IRA). Rollins Capital focuses on long-term, high-quality investments, using conventional assets like stocks, bonds and/or funds. We handle all the daily investment decisions.

Hereafter
The final two financial issues affect the Hereafter and relate to what legacy you want to leave after you are gone. Do you want to leave 1) an inheritance to your children or grandchildren? Do you want to 2) make a charitable contribution to your church or other institution?

These two topics together are referred to as estate planning. Estate planning (particularly drafting a basic Will) should start today, but will evolve over time as your circumstances change. Estate planning documents require an attorney. We can refer you to a qualified attorney if you need one and can assist with some of the personal decisions involved in estate planning.

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