Getting Clear and Actionable Advice Should be Your Number One Priority

We provide detailed financial consulting services to all our clients, allowing them to make informed decisions around their money.

Our clients range from young singles and families just starting to build their net worth all the way up to multi-million dollar private holding companies and family trusts. Every one of these clients is able to draw on our decades of experience and expertise on a fee-for-service basis. As our relationship with each client develops and grows, more of these services are included at no charge as part of our value added approach to working with clients.

Financial consulting covers a broad array of topics which are important to everyone as they work through various life stages and events. While the topics are often the same for many people, the manner in which each topic impacts people is unique to each and every individual.

What is Your Definition of Success?

We approach every client with a view to understanding their vision of success from a holistic view – not simply about rates of return.

Your dreams, ambitions, current and potential plans are what drives you. Once we understand those, we then use a unique process to lay out and map your current realities since we need to understand where we are before we can create a plan to get the rest of the way there. At that point we look at which vehicles would be best suited for your plan and incorporate them into your personal plan. Once prepared, we explain in detail the “hows” and the “whys” of your plan. Only when you are comfortable with how plan works it is implemented.

With a client who is in the Accumulation Plan phase, the focus is on creating wealth. Wealth for the costs of day to day living and wealth that is earmarked for your retirement. Whether it is a new addition to the family, new career initiatives or some other significant life event, we use financial consulting to ensure your plan remains aligned with your life stage. It is not uncommon for an Accumulation Plan to last 30 or 40 years.


Once You’ve Retired Your Accumulation Plan Will Swing into a Decumulation Plan

Decumulation is the process of converting pension savings into retirement income. The change from Accumulation to Decumulation has two critical aspects:

  1. The actual changes that need to be made to your plan as you reduce the risk inherent in your plan and start to generate a stream of retirement income, while keeping in sight any estate legacies you would like to leave, and
  2. The paradigm shift that you will go through from being focused on adding to your saving to being focused on spending it knowing you are not going to be able to work harder to find more

At Erb and Erb Financial Services, our financial consulting keeps you informed and updated so that you have someone who understands you as you go through the adjustments from Accumulation to Decumulation.

At the same time your Decumulation Plan is being set up, financial consulting will allow you to develop and your estate plan and ensure it aligns with your Decumulation Plan.

Estate Planning is one of the hallmarks of Erb and Erb Financial Services. Our team of in-house experts will be able to work with you to make sure your estate plan has everything it should have and nothing that it does not need.

At Erb and Erb Financial Services, our financial consulting keeps you informed and updated so that you have someone who understands you as you go through the adjustments from Accumulation to Decumulation.

Fact: it's seldom too early to plan, but can suddenly become too late!

If you are thinking the time is right to discuss your Accumulation Plan, gives us a call. We can help.