Our Approach
At Sky Peak Financial we take a three-dimensional approach to help you protect and build your wealth over time. We think of money in three phases:
Accumulation
How can we best work to help maximize a client’s financial potential?
Distribution
How do we strategize to provide maximum income during retirement?
Preservation
How can we best position you to leave a legacy to those you care about most?
Protection
Disability Income Insurance: Provides an income protection (an income may be our client’s most valuable asset).
Life Insurance: Determining what amount of coverage is the correct amount and what types of life insurance are the best fit for the client today and in the future.
Always reassessing if protection amounts are adequate.
Savings
Work to ensure that you are saving at least 15% of your gross income.
Establish a cash reserve which would be consistent with approximately 50% of your annual gross income.
Determining the best use of your employer sponsored plan.
Growth
Prudent diversification and asset allocation.
Filling different risk focused and tax sensitive buckets.
Commitment of ongoing savings to your financial model, where appropriate.