Equipped with what we’ve learned about your vision for the future during the discovery process, we utilize a proven process and apply our financial planning expertise to analyze your situation and develop a comprehensive wealth plan that is uniquely tailored to you and your needs.
Life can be unpredictable, which is why we work to understand your situation in detail, anticipate different scenarios and remove the guesswork out of your financial future by stress-testing your financial plan. Using the latest tools and technology, we work with you to create advanced “what-if” scenarios based on your goals. And once your goals are set and your plan is implemented, we monitor your plan on an ongoing basis and keep you informed of your progress along the way. Because when you have a clear understanding of your complete financial picture and a detailed roadmap to help you get there, you can move forward with confidence.
Borrowing Loans Responsibly
Borrowing loans can be a great way to help you reach your dreams, but it also comes with some serious responsibilities. If you're going to borrow money, you need to make sure that you are responsible for how you use it and repay it on time. Here are some tips on how to borrow responsibly:
- Find out what type of loan options are available and which ones fit your needs best.
- Be careful about the terms of your loan and ensure it's right for your situation before signing any paperwork or giving out any money.
- Make sure you understand all the fees associated with taking out this loan, so there aren't any surprises later on down the road when paying it back!
- Make sure this is an investment in yourself and not an impulse purchase or something else where there's no chance of getting anything back from it!
There are many ways to borrow money. Why do you need it? What will you use it for? How much can you afford to pay back?
Ask yourself these questions before you apply for a loan.
If you have bad credit, try not to worry. There are options that can help you improve your score and get the loan you need.
For example, consider applying for a home equity line of credit (HELOC). It is essential to rebuild your credit history because it allows you to use your home as collateral for a loan. You can also use it for repairs or renovations on your home or even pay off bills or other debts with lower interest rates than those offered by traditional banks or credit unions.
Another option would be making payments towards existing debts until they are paid off completely. Then, make it before taking out any new loans or lines of credit; this will help improve your overall credit score while giving you more cash flow during these difficult economic times when budgets may be tight!
Planning Through The Unpredictable
As your life evolves, you need a financial plan flexible enough to change with you. Whether you’re caring for a child with special needs, charting your course to retirement, or trying to establish a lasting charitable legacy, you can count on Hilliard Lyons to provide you with a financial plan tailored to your unique situation. We help our clients with:
Heather is a graduate of Western Kentucky University and holds a bachelor’s degree in Finance with a special emphasis in financial planning. Heather has served Hilliard Lyons Wealth Advisors and their clients for more than a decade. In this role, she has been instrumental in designing & implementing a wealth management process that is suitable for our clients. Prior to joining Hilliard Lyons, Heather worked as a Financial Planner providing individual clients with comprehensive planning and advice.
A resident of Williamson County, TN since 2004, Heather is married with two children. She loves spending time with her family boating & skiing on Lake Cumberland.
Heather is registered in the following states: KY, TN
Kara began her career in the financial planning field in 2009 and has held her CERTIFIED FINANCIAL PLANNER ™ designation since 2011. She is a graduate of Ball State University and resides with her husband and three children in Southern Indiana. Kara enjoys spending time with her very active family and taking in a baseball game when time permits.
Kara is registered in the following states: IN, KY
Jenny earned her bachelor’s and master’s degrees in accountancy from the University of Kentucky. She is also a graduate of the American Bankers Association National Trust School. She has served on the board of the Bluegrass Chapter of the American Red Cross and is a member of the Bluegrass Estate Planning Council and the Kentucky Society of CPAs.
Outside of work, Jenny enjoys reading, traveling, and spending time with friends and family.
Jenny is registered in the following states: KY.