Financial Services Designed

to be at your service

Fraser Financial Group

Striving to achieve the goals of individuals, families and businesses

Retirement solutions for individuals and families

Retirement is more than a dream. It is a documented plan that the professionals at Fraser Financial Group turn into reality. We are passionate about creating exactly the right retirement plan that takes you and your family where you intend to go. We will design, implement, and monitor your personal retirement plan. Our objective is to match the target principal balance to your goals at the time you designate. This principal generates the income needed to support your family’s needs.

When Fraser Financial Group designs a retirement plan for you and your family we incorporate four critical elements into the mix:

If you’re considering the creation of a retirement plan for you and your family, why not seek the counsel of a professional. Call Fraser Financial Group today.

The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any tax penalties. Fraser Financial Group does not give tax or legal advice. We encourage individuals to seek advice from their own tax or legal counsel.

Income and asset protection

The professionals at Fraser Financial Group utilize their skills to help produce spendable income from our client’s investment and annuity portfolios. At the same time we build a protective fortress around those income-producing assets to avoid unplanned and unwanted surprises.

Our years of experience have taught us to first focus on the potential untimely death of the family’s breadwinner. Life insurance provides an excellent way to replace both regular income and the planned contribution to the income producing asset portfolio. Next we consider the possibility of one or more income earners becoming disabled. This could limit the contribution to the asset portfolio. Again, we often use disability income insurance to replace the asset contributions of the income earner(s) to help ensure the asset portfolio continues to grow as well as provide needed current income. Finally, the need for long-term care can be hugely expensive for a long period of time. Such care—if not provided for with long term care planning—can reduce both current income and regular contributions to the asset accumulation portfolio.

Don’t put your income or your assets at risk. Call Fraser Financial Group for a plan to protect both.

College planning

The professionals at Fraser Financial Group look at planning for your children’s college education as part of your overall financial strategy. Saving for college is important. But not as important as saving for your retirement. There are many sources of college financial aid, but only one source for your retirement funding—you. We often include 529 college saving plans in our financial strategies. They are free of federal tax and allow a savings of up to $371,000 per beneficiary in California. Each state has different limits. Check with your financial advisor for applicable limits in your state. We also consider the beneficial tax effects of the American Opportunity Tax Credit and Lifetime Learning Credit received in the years you pay tuition. We often include mutual funds as part of the college savings investment portfolio. That way an investment professional is in charge of the portfolio. If saving for your children’s college is important to you, why not call the professionals at Fraser Financial Group and get started. Call today.

Access to Trust services

Fraser Financial Group clients benefit from our affiliation with MassMutual. Our clients can employ life insurance policies, annuity contracts, and disability policies to fund trusts designed to transfer wealth to beneficiaries. The MassMutual Trust Company often administers these trusts, allowing our valued clients to stay within the Fraser Financial Group umbrella of services and trusted professionals rather than finding another advisor.

Check the background of MML Investors Services, LLC on FINRA's BrokerCheck.