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Building

Our process begins by listening intently to you, followed by asking numerous questions to truly put ourselves in your shoes. Education is central to our approach; we aim to empower you with knowledge, ensuring you're informed and confident about your financial decisions. As a Certified Financial Planner (CFP), Brian's knowledge encompasses a large area of knowledge to meet your specific needs. Below, we will list some common topics as a starting point. Please explore these topics to see how we can assist you.

Retirement Planning

  • Retirement Contributions and Accounts: Advising on the amount to contribute to retirement accounts annually, and the differences between ROTH and traditional 401(k)s, including considerations for backdoor ROTH IRAs.

  • Retirement Timelines and Strategies: Helping clients determine when they can retire, how to avoid financial fraud, and the best strategies for withdrawing retirement funds, including the implications of Required Minimum Distributions (RMDs).

  • Optimizations and Planning: Planning for a desired retirement lifestyle, optimizing social security benefits, and analyzing healthcare options, including Long Term Care and Medicare.
     

Employee Benefits and Compensation

  • Optimizing Employer-Provided Benefits: Understanding and maximizing benefits such as health insurance, Pension, and retirement savings plans.

  • Equity Compensation and Savings Plans: Navigating options like Restricted Stock Units (RSUs), stock options, and Employee Stock Purchase Plans (ESPPs).

  • Insurance and Savings Accounts: Advice on selecting life insurance, utilizing Health Savings Accounts (HSAs), and Flexible Spending Accounts (FSAs).

  • Incentive Programs: Guidance on bonuses, deferred compensation, and strategies for self-employed individuals regarding retirement and insurance.
     

Psychology of Financial Planning

  • Goal Setting and Confidence Building: Developing financial and life goals, coaching for plan implementation, and creating confidence in financial plans.

  • Overcoming Financial Biases: Support for recognizing and overcoming biases that may impact financial decision-making.
     

Tax Planning (CFP)

  • Adapting to Tax Policy Changes: Strategies for adjusting to changes in tax policy and optimizing tax situations, especially concerning retirement accounts and investments.

  • Tax Implications Analysis: Detailed analysis of tax implications for various financial decisions, including RSUs, stock options, real estate transactions, and business income.

  • Charitable and Estate Planning: Planning for charitable giving, estate and gift planning, and maximizing tax benefits associated with these activities.
     

Investment Management

  • Portfolio Construction and Management: Tailored asset allocation, diversification, and tax-efficient investment strategies.

  • Retirement and Equity Management: Strategies for retirement account selection, and handling concentrated stock positions.

  • Investment Growth and Real Estate: Guidance on investing inheritances, rebalancing portfolios, and analyzing rental real estate investments.

  • Market Analysis: Keeping informed on market trends for strategic withdrawal strategies and investment adjustments.
     

Estate Planning

  • Legacy and Succession: Business succession, estate tax planning, and ensuring account beneficiaries are updated to reflect current wishes. While we focus on financial strategies and insights, we facilitate connections with legal professionals for the drafting of wills, trusts, and more, ensuring your estate planning is cohesive and aligned with your financial strategy.

Embark on Your Financial Journey
with Confidence


Unsure of your financial destination? Let Brian Limborg be your guide. He's dedicated to understanding your unique goals, even if they're still taking shape. Start with a no-obligation chat with Brian to explore your options - it's your first step towards a tailored financial plan. Brian is here not just to advise but to empower your journey. Your financial future is more than a plan; it's a journey that Brian is honored to share with you.

© 2024 by The Limborg Group

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Securities offered through Advanced Advisor Group, Member FINRA & SIPC. Investment Advisory Services offered through EFS Advisors LLC, 1995 East Rum River Drive South, Cambridge MN 55008, (877) 403-2374. Advanced Advisor Group and EFS Advisors LLC are affiliates under common control D/B/A EFS Advisors (“EFS”). Education Minnesota-ESI (“EME”) is not a current client of EFS and is compensated by EFS based on the number of EME members, regardless if the EME members are clients of EFS, for various EME services, including exclusive marketing and referrals. This creates an incentive for EME to refer clients to EFS. For more details, please refer to Item 14 of the most recently filed Form ADV Part 2A Brochures. 

 

Visit EFS Advisors: www.efsadvisors.com
 

AAG and EFS are affiliates under common control D/B/A EFS Advisors and are not affiliated with and are independent of Education Minnesota/ESI, Certified Financial Planning (CFP) Board, Dave Ramsey, Financial Planning Association, Institute for Divorce Financial Analysts, Charles Schwab, Fidelity, Minnesota State Retirement System, Fidelity Investments, and Morningstar.
 

AAG, EFS, and its representatives are authorized to conduct business and communicate with prospective clients in states where registered or where an exception to or exemption from registration exists.
 

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