For Individuals

Nebel Associates is a full-service financial firm committed to helping people pursue their financial goals. We offer a wide range of financial products and services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to help reach them by our providing sound financial information.

Please call us if you have any questions about our firm or the range of financial products and services we provide: 

We can also help you with an Insurance Needs Analysis as well. 

Budget & Cash Flow Management

No matter what age or stage in life you are currently in, it is always a good time to review your cash flow. We will help you aggregate all the necessary information to create your Cash Flow and Balance Sheet statements. These two statements work hand in hand. If you are paying all of your bills on time and paying off your credit card each month, you are off to a great start. However, it is important to simultaneously look at whether or not you are making progress on the balance sheet. Do we need to pay more or less of your debt? Do we need to add more or less to certain retirement vehicles? We'll come up with a plan where you can measure the progress of your overall Cash Flow situation. Sometimes, this involves making some hard choices depending on where you are and what direction you would like your financial profile to be in. {top}

Charitable Giving Plans

Before we look at whether charitable giving is appropriate for you or your family, we will first evaluate your family balance sheet and insurance needs. If it is determined that charitable giving is for right you, we'll then look at options that suit your needs. For some clients, we recommend Donor Advised Funds where the client receives a 100% tax deduction by depositing appreciated assets or cash to their own Foundation. These assets would be in a Foundation where the assets would be invested similarly to your investment portfolio before you make your donation(s). Funds will then disbursed out of your Foundation to any qualified 501©(3) of your choice in the form of grants. Charitable Giving Plans benefit both you and your charity of choice. This vehicle not only gives you the tax-deduction benefit but also provides you with a platform to grow your money for your charities of choice. {top}

Education Savings Plans

We will look at several educational savings vehicles that are appropriate for you and your family. We'll explore 529 College Savings Plans, Coverdell ESAs, as well as others. We review the advantages and possible restrictions that each one has to provide you with the right plan. {top}

Estate Planning

Estate Planning is essential no matter how much your estate is currently worth or even if you think your family's situation is 'simple'. We work with knowledgeable Estate Attorneys here in Northern Virginia that care about you and your family as much as we do. It is critical that you have all of the necessary forms on file in the unfortunate event that someone in your family becomes incapacitated or passes away. Once an Estate Plan is updated or amended, it is best to let your family members know where these documents are located. Everyone does not need elaborate Trusts drawn up. In some situations, we can make a recommendation to add a Transfer on Death (TOD) Beneficiary to a Non-Qualified (non-retirement) account and that is all that is necessary to transfer an account to a loved one upon your demise without expensive legal paperwork. Once your situation has been evaluated, an Estate Attorney will recommend a trust plan that is tailored to your family. {top}

Investments

The investment world has continued to increase in complexity as time goes on. Our job as your financial advisor is to assess your risk tolerance, help educate you by simplifying the various savings vehicles, and then evaluate which vehicles are best to help you accomplish your financial goals. The savings vehicles that we evaluate are Cash, Non-Qualified, Roth IRAs, Qualified (401(k), 403(b), Traditional IRAs, etc.), 529s, and Charitable giving strategies. Investing is not tied to one area, but many different sectors working together to help meet your financial goals. {top}

Retirement Planning

Most Financial Advisors think of retirement planning as your 401(k) or pension. Retirement planning involves much more than just your retirement plan at work. We like to look at all of the tools available to see if or when you will be eligible to retire. It could be selling a primary residence, taking a pension early, or maybe something as simple as withdrawing the monthly dividend on a Municipal Bond Fund (instead of reinvesting dividends). The retirement transition can be very stressful. We will walk hand in hand with you through this tough time and create a plan for you that creates a 'soft landing' in retirement.{top}