Welcome to Haven Financial Solutions
At Haven Financial Solutions, we are dedicated to empowering families, businesses, and women to achieve financial independence. With over 20 years of experience in the financial industry, our mission is to provide personalized, client-focused financial guidance that puts your best interests first.
We understand the importance of planning for a secure future. That's why we take a comprehensive financial planning approach to help you navigate the complexities of retirement and wealth management. Our services are designed to create a tax-efficient financial strategy tailored to your goals and needs.
Whether you are planning for retirement, saving for your family’s future, or building your business’ financial foundation, our expert team is here to guide you every step of the way. We focus on the Six L’s of Retirement to ensure your plan covers all aspects of a successful financial future.
The Six L's of Retirement Planning
Longevity: This refers to the risk of outliving your retirement savings. As people are living longer, planning for a potentially extended retirement becomes crucial. This involves projecting your lifespan and ensuring your finances can sustain your desired lifestyle throughout that period, accounting for potential healthcare costs and inflation.
Liquidity: The ease with which you can convert assets into cash to meet your immediate expenses and unexpected financial needs without incurring penalties or selling assets at a loss. Having readily accessible funds acts as a buffer against market volatility and provides flexibility in your financial management.
Lifestyle: This "L" focuses on envisioning and funding your desired lifestyle in retirement, encompassing your daily living expenses, hobbies, travel, and other aspirations. It involves understanding your future needs and designing a financial plan to support them.
Long-Term Care (LTC): Addresses the potential costs and planning for the possibility of requiring assisted living, nursing home care, or in-home care services as you age or face health challenges. Medicare and most health insurance plans typically don't cover long-term care expenses, making it crucial to plan for these costs.
Long-Term Disability (LTD): Addresses the risk of becoming unable to work due to illness or injury before retirement, impacting your income and retirement savings. Having appropriate disability insurance coverage can protect your income stream and help maintain your financial security.
Legacy: This focuses on defining what you want to leave behind after you're gone, both tangible and intangible assets. It includes estate planning, charitable giving, and passing on family values, ensuring your wishes are carried out and your loved ones are provided for.
In essence, these six "Ls" represent key aspects to consider for a comprehensive retirement plan that addresses both financial and personal well-being, helping ensure a fulfilling and secure future. A comprehensive retirement plan ensures your assets and values are passed down to future generations in the manner you intend.
Once we understand your unique situation, we develop personalized financial strategies to safeguard your future and ensure you can meet your financial goals. Whether you're planning for unexpected life events or optimizing your current financial strategy, we design solutions tailored to your specific needs.
Let us help you achieve the future you deserve.
Our Services
Our Services
We all have only one opportunity to retire. One misstep a the wrong time can jeopardize the success for which you’ve worked so hard. We focus on comprehensive, tax-efficient strategies to optimize your retirement income, save more on taxes, and have more to leave to your family or favorite charities. We help our clients to create comprehensive retirement plans now so they don't have to worry later.
Investment Management Services
Investment Management Services
We start with you. Our investment approach is one that meets you where you are, then we create strategies to maximize your portfolio's potential in accordance with your risk tolerance level. This is a collaborative process where we maintain open communication with you by providing timely reports and updates about your portfolio's performance and execute strategic repositioning when suitable and necessary.
Insurance Solutions
Insurance Solutions
Life Insurance - Our life insurance solutions do so much more than just cover the mortgage! It can replace your income for a number of years, and provide important financial security for those you leave behind. We specialize in a variety of effective life insurance planning strategies that serve to protect your investment portfolio and other assets, build secure wealth and protect your loved ones when you are no longer around to provide for them.
Types of life insurance we offer include - Term Life, Whole Life, Basic Universal Life, Index Universal Life, and Final Expense
Advanced Planning Strategies with Life Insurance include:
Tax-Free Retirement
College Funding
Key Person Life Insurance
Business partner Buy/Sell Agreement Funding
Estate Equalization
Long Term Care Solutions
Long Term Care Solutions
Covering the cost of Long-Term Care Needs - The majority of American families have already had the experience of caring for at least one family member with a long-term disability or a chronic illness. None of us are ever truly prepared for the serious emotional and financial impact of this situation. The likelihood of you or someone you love needing custodial long-term care in a facility or at home is increasing as our population ages. Here at Haven FS, we have access to the most cost-effective, IRS compliant solutions that will help your family to cover the cost of long-term care needs while preserving and protecting family assets.
Personal Pension Plans
Personal Pension Plans
Annuities are a type of personal pension plans with no contribution limits, making them an attractive option for self-employed individuals. They provide a steady income stream during retirement. Contributions grow tax-deferred, and payouts can be structured for life or a fixed period. Whether you're self-employed and looking to save for retirement, or just looking for a place to bring your pensions from previous employers together, our Personal Pension Plan could be right for you.
About Gillian
About Gillian
We're Pleased to Introduce Gillian K. Mullings
We're Pleased to Introduce Gillian K. Mullings
A dedicated and experienced financial professional, Gillian brings a deep commitment to helping individuals and families secure their financial futures. With a strong background in insurance and a passion for financial education, she is an invaluable resource for clients seeking to build and protect their wealth. www.thoroughbredadvisors.com/gillian-mullings
Life Beyond Work
Life Beyond Work
When she’s not working, Gillian enjoys exploring the scenic trails of Westchester County. She loves discovering new hiking spots and embracing the outdoors. This love of nature reflects her commitment to balance and well-being—values she brings to her clients' financial journeys as well. Gillian’s expertise, dedication, and passion for financial empowerment make her an essential member of our team, providing thoughtful guidance and comprehensive financial strategies to those she serves.
Connect with Us
Connect with Us
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