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Foster Financial Services
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    • Home
    • Our Team
    • Services
    • Holistic Planning
    • Client Login Links & Info
    • Education
    • Client Updates

  • Home
  • Our Team
  • Services
  • Holistic Planning
  • Client Login Links & Info
  • Education
  • Client Updates

Generating your income

 Heather talks about the importance knowing where your income is coming from. Watch to learn more about your money. 

Avoiding IRMAA

Do you know what IRMAA is and how it impacts your finances? Check out this video where Heather explains how, "This mean little thing [IRMAA] is in the background, waiting for you to pay some extra premiums..." Watch to learn more! 

Pensions and retirement planning

 Heather discusses the key to lump sum payouts. "If interest rates go up, your payouts go down...I've seen as high as a $150,000 difference if they [clients] wait to retire a month or two..." Watch to find out more about this inverse relationship!  

Timing the Market and Emotional Investing

 Don't let your emotions dictate your investment decisions. In a 10 year period, if you were not in the market for the top 10 trading days...say 2010-2020, your return would have suffered by almost 50%. It only takes 10 days to greatly impact your return in a 10 year period. Watch to find out more. 

Fixed Interest Rates

Heather talks about the rising fixed interest rates and how you can benefit from these changes. Watch to find out more. 

Benefits of Financial Planning

If you have a full financial plan, and I mean a fully designed financial plan; tax strategizing, holistic financial planning, investment strategizing, income strategizing, then a downturn shouldn't effect you. It shouldn't emotionally effect you. Watch to find out more.

Fixed Income

Heather talks about fixed income products; CDs, Fixed Annuities, Bonds. Watch to learn about fixed income products. 

Market Advice 06.21.2022

Heather talks about the Markets and which moves could benefit you, dependent on Market cycle. Watch to learn more.

Market Downturn Advice

How can you take advantage of a Market Downturn, other than doing Roth Conversions? Watch to find out!

Changes to Indiana's 529 program

 The benefits and changes to the Indiana 529 plan.   


529 Plans State tax laws and treatment may vary. Earnings on non-qualified distributions may be subject to income tax and a 10% federal penalty tax. Please consult your tax adviser for more information 

importance of saving for retirement

The importance of saving for retirement and not relying solely on other sources of income.

Holistic Financial Planning

It is important to look at your finances holistically when planning for your future. A change in your investments can affect other aspects of your finances, such as which tax bracket you are in, Health Insurance (IRMAA/Health Care Subsidies), and more. 

Fiduciaries

Find out what a fiduciary is and what is means to work with one. 

Second Opinions

It is always a good idea to get a second opinion when it comes to your money. It is especially helpful to talk to a Holistic Financial Planner. 

Estate Planning

Do you know the important financial steps to take when a loved one passes away? Watch to find out.

Planning for Retirement - Start Early!

Explore the benefits of starting early when it comes to planning for your retirement.  

Foster Financial Health Insurance

Learn how additional income can effect Medicare premiums and what to consider. 

Pension choices

Learn what options you may have when it comes to your Pension. 

Red flags

Do you know the red flags to watch for when choosing a Financial Professional?

Taxation of annuities

Heather speaks on the different taxations of annuities. Do you know how your annuity may be taxed? 

Securities and Advisory Services Offered Through Harbour Investments, Inc.

Advisory Licensed in Indiana, Ohio, Michigan, Texas, Kansas, Florida, Illinois, North Carolina, South Carolina, Wisconsin, Georgia, Iowa, Kentucky, Massachusetts, Minnesota, New York, Pennsylvania, Tennessee

This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions. 

Copyright © 2018 Foster Financial Services

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