Our Services

We will dedicate the time and energy necessary to make certain your financial plan is successful.

At NewMarket Financial Advisors, we believe it is crucial to fully understand our client’s situation before any recommendations are made. Equally as important, we desire to be involved in our client’s lives as they continue down life’s path to ensure the portfolio is being managed properly. We will help our clients with any new challenges that arise or simply modify the existing plan to make sure the portfolio is addressing their needs. We will dedicate the time and energy necessary to make certain that your financial plan is on track. In turn, you may focus your efforts on other important aspects of your life that mean the most to you.

Retirement Planning

Retirement involves factors that pertain to mental, physical, emotional and financial characteristics. The client needs to be aware of these factors, and NewMarket assists with the financial portion of retirement planning.

We create income strategies aimed at maximizing benefits from employer-sponsored plans and Social Security benefits, and any other income sources, including IRA’s and/or 401(k) plans, as well as portfolio income. We advise, implement and manage the retirement plan to ensure clients receive the proper income and required distributions each and every year, in a most tax efficient manner.

Financial Planning

At NewMarket Financial Advisors, we start by helping you identify your goals. These are things like where do you see yourself financially in the future, when do you want to retire and what does that retirement look like to you?

We then evaluate where you are relative to those goals. This is like taking a snapshot of your current financial state. Once we have that snapshot, we begin to evaluate your options to help reach those goals and will recommend strategies to help you get where you want to be.

But we don’t stop there. We help you implement the recommendations. Then, we continually monitor your financial situation to ensure you remain on track towards your financial dreams.

Want to learn more about Financial Planning? Contact Us Today!

College Planning

A 529 plan can be an integral part of your financial college planning. These plans are investment plans operated by a state. They’re designed to help families save for future college costs.

What is a 529 Investment Plan For?
-Saving for a student’s college education
-paying your graduate school expenses
-Pursing an interest through CE Courses

What College expenses does it cover?
-TuitionFor Fees
-Room and Board
-Books, supplies and required equipment (e.g., computers)

What are the key benefits?
-Growth Potential
-Additional state tax benefits, where applicable
-Flexibility to transfer to another eligible relative

Prior to investing in a 529 Plan, investors should consider whethere the investor’s or designated beneficiary’s home stste offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only avaiable for investments in such state’s qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.

Wealth Management

Wealth management is managing each individual’s wealth. It is not a number that represents a minimum amount of money. Rather, everyone has “wealth,” and it differs in size. One common denominator is that each person’s wealth is very important to them.

Because of our independence, we can choose from a broad array of products and services. There are no proprietary products we are required to represent, so we can offer investment advice that is in the best interest of our clients.

Managing your wealth is more than receiving investment advice… it’s an ongoing process for long-term growth and success. From retirement income planning to estate preservation, NewMarket Financial Advisors can assist you in your financial goals.

Insurance planning

Insurance planning is based on read NEED. Always ask yourself, when considering buying life insurance, what do I want it to do? What is the intent for purchasing life insurance?

The next challenge is to select the correct type of insurance. Will Term insurance solve the problem? What about whole life, universal life, or even variable life? All of these products, and more, can be considered, in order to achieve the proper result.

Of course, a major issue is always cost, and how to pay for said insurance. WE have access to dozens of life insurance companies so that cost comparison can be reviewed, and the right choice can be made.

At NewMarket Financial Advisors, we offer professional advice on how much insurance to purchase, what type of insurance is appropriate for the task at hand, and advice on what method is best for you to pay for said insurance. We also advise proper registration, beneficiary designation, and ownership disposition.

The Goals of Financial Stability include:

Determining your budget and staying within. Take “I deserve it” out of your vocabulary

If you can’t save, change something.  If you’re living paycheck to paycheck you’re probably living by emotion and not be decision.  Most people “gotta have that car, apartment, vacation or whatever” first.  Becoming financially well requires drastic measures sometimes.  You may have to sell the car, move, get a new job but something may have to change.

Cash Reserve

Plan for emergencies instead of succumbing to them – Your cash reserve should be at least three month of your fixed (rent, car payment, utilities, food) expenses. This will take some time. Start with the goal of $1,000. Stop the self talk “I deserve it”.



Read the article “establishing a budget” in the education tab then complete the “personal cash flow worksheet”. Compare your numbers to the table below.


Housing (mortgage/rent, real estate taxes) 24%
Utilities (water, power, garbage collection) 8%
Food 14%
Clothing 4%
Medical/Healthcare 6%
Donations/Gifts to Charity 4%
Saving and Insurance 9%
Entertainment and Recreation 5%
Transportation (car payments, gas, service) 14%
Personal/Debt Payments/Misc. 12%

Debt Management

Use the “Debt Consolidation Calculator” to determine the extent of your debt and the feasibility of consolidating it. If you own a home, this will be easier to do. Read “Should I refinance my home mortgage”.

Debt Management Rules of Thumb

  1. Pay small balances off first and then apply the payment to larger balances.
  2. Freeing up a payment has priority over the interest rate you’re paying. If payoffs are similar, pay higher rate off first.

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