Elevate Your Retirement

Transform Your Retirement with Our Expert Financial Planning

Our Purpose

Purpose

"At Fleming Financial Services, our unwavering commitment is to treat every client with the utmost care and dedication, as if they are our only client. We believe that every individual, business, or organization we serve deserves our undivided attention and the highest level of personalized service.

Our mission is to provide a unique and unparalleled client experience by:

Listening attentively: We actively listen to our clients, understanding their unique needs, goals, and challenges. We believe that by truly hearing their voices, we can tailor our solutions to exceed their expectations.
Delivering excellence: We strive for excellence in everything we do. Our team is dedicated to providing top-quality products, services, and support that not only meet but also anticipate and exceed our clients' needs.
Building lasting relationships: We foster strong and enduring partnerships with our clients, based on trust, transparency, and open communication. We view each interaction as an opportunity to strengthen our connections.
Providing personalized solutions: We recognize that every client is distinct, with specific requirements and aspirations. Our commitment is to tailor our offerings to match these unique needs, ensuring the best possible outcomes.
Going the extra mile: We are dedicated to going above and beyond to ensure our clients' satisfaction. No request is too small, and no challenge is too big when it comes to serving our clients' interests.

In living out our mission, we aim to be the benchmark for client-centricity in our industry. We believe that by treating every client as if they are our only client, we not only enhance their success but also enrich our own sense of purpose and fulfillment.

At Fleming Financial Services, our clients are not just a number; they are the heart of our business, and we are honored to serve them."

This mission statement emphasizes the company's dedication to providing exceptional service, personalized attention, and a commitment to building strong, long-lasting client relationships. It reflects a culture of client-centricity and underscores the importance of every client's unique needs and aspirations.

Why Fleming Financial Services?

Many people ask, "What does Fleming Financial Services Provide?" It's simple. Fleming Financial Services provides "Peace of Mind" to our Clients. As a Certified Financial Planner and with over 25 years in the financial services industry, we don't just guess what happens to people in their retirement but we've experienced it and plan accordingly for it. People who come into our office get the experience it takes to successfully navigate through their retirement.

As a family-owned business, we understand the importance of retirement. Not only for the financial freedoms it will provide, but also the legacy you would like to leave behind.

The planning Process

We Believe in Better!

Better
Approach

Better
Method

Better
Answer

Better
Result

About Us

Services We Offer

Income Planning

Ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.

This includes:

Social Security Maximization
Income & Expense Analysis
Inflation Plan
Spousal Plan Longevity Protection

Income
Planning

Investment Planning

Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.

This includes:

Assessing your Risk Tolerance
Adjusting your portfolio to reduce fees
Volatility Control
Evaluate ways to reduce risk while still accomplishing your goals
Comprehensive Institutional Money Management

Investment Planning

Health Care Planning

We will create a plan to help you protect yourself against rising healthcare costs with a minimum of expense.

This includes:

Looking at all aspects of Medicare, Parts A, B and D
Analyzing options for Long-Term Care Plan

Health Care
Planning

Legacy Planning

It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner. By working collaboratively with a qualified Estate Planning Attorney, our goal will be to help you to:

Maximize your estate and income planning opportunities
Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
Protect your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death

Legacy
Planning

Tax Planning

Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities.

This includes:

Assessing the taxable nature of your current holdings
Stretch IRA planning
Strategizing ways to include tax-deferred or tax-free money in your plan
Strategize which tax category to draw income from first to reduce tax burden
Leverage your qualified money to potentially leave tax-free dollars to your beneficiaries

Tax
Planning

Services

Our Team

A proficient financial planning team plays a critical role in navigating the complexities of personal and business finances. Their expertise in budgeting, investing, tax management, and retirement planning is invaluable in optimizing financial health. A well-coordinated team can help individuals make informed decisions, mitigate risks, and achieve their financial goals efficiently. They serve as a strategic partner, offering guidance and insights that lead to long-term financial security and peace of mind. In an ever-changing financial landscape, having a skilled financial planning team by your side is key to making informed choices and securing a stable financial future.

Meet The Team