Moffat Financial Group: Specializing in peace of mind

Peace of mind, the most desirable feeling of all, is what the experts at Moffat Financial Group specialize in.

With 34 years experience successfully advising men, women, and families on how to make their finances prosper, Clark G. Moffat, president and founder of the firm, has success stories aplenty.

"I first ask a client where they want to be in the future; what they want to do ultimately; then I select the tools to get them there," explained Moffat. "Success happens because we create a very individualized program for each client."

Moffat's strategic advice is quality, because he utilizes top-notch national market research data to guide clients.

"It is important to know what is driving the economy, the market trends, and more," he said. "Investment plans need to be adaptable to meet the changing economic environment."

In an industry where many financial advisors focus on selling certain products, that is not the case at Moffat Financial Group. All recommendations are individually determined based on the client's needs. Because of that, Moffat has offered a beneficial service for three years now to those who already have investments through a brokerage.

"We work with people's brokers; we gather information and put a plan together; we regularly work with the other professionals on what is needed for the customer to meet their goal," said Moffat. "The Millenials (those born in early 1980s to early 2000) love that; it enables them to really get their financial plan started."

Educating clients in the financial world is key at this firm, and affiliates enjoy that aspect of their job. "It's very rewarding to see the fruits of our labors, it's a win-win situation for all," said financial advisor Jared Johnson, who has 14 years of experience in the field.

New clients need not worry that they must have significant financial resources currently to greatly benefit from the expert advice at Moffat Financial.

"We do consulting and coaching," said Johnson. "There is no minimum financial account size. It's all about debt management, managing cash flow, and building up assets."

One client Moffat has assisted for 25 years has a particularly impressive success story. "When I first met her, she was very young and had massive credit card debt," he explained. "Today, she owns apartment buildings and has other assets due to the planning we've been able to do with her. She has done a great job following the plan we set for her."

Getting an early start on building financial security in life is tremendously beneficial, but getting solid advice as thoughts of retirement present themselves is vital as well.

"Many people don't realize there are actually 567 ways in which a couple can file for Social Security," said Moffat. "There are some big differences in the options and it needs to be part of a person's overall financial strategy."

"However, the Social Security office tells people they can simply sign up online in 15 minutes," Johnson added. "The key is to make sure and maximize Social Security benefits."

In his experience working with pre-retirees, Moffat said, "50 to 75 percent of people that think they can't retire can do a lot more than they think they can."

"It's not about reducing lifestyle," Johnson added. "It's just about making some adjustments."

To assist individuals in understanding some key components about Social Security, the firm will be presenting two upcoming free seminars. They are open to the public, and scheduled for:

• Wednesday, Oct. 21 – 6:30 p.m. – Fallbrook Library, 124 S. Mission Rd., Fallbrook
• Tuesday, Oct. 27 – 6:30 p.m. – Temecula Library, 30600 Pauba Rd., Temecula

Whether a person is a traditional employee, federal employee, school district affiliate, or self-employed, a specialized strategy awaits at Moffat Financial to insure successful financial management. "The sooner the better for the client," said Moffat.

Based on client feedback that the firm regularly receives, financial advisor trainee Marianne Martini said, "It's wonderful helping people realize their dreams and goals."

As has been proven over and over with their clients of all ages, "With proper planning, peace of mind comes," said Moffat.

To reserve a seat for one of the upcoming seminars on Social Security, call toll-free (800) 619-2803.

For a free consultation with Moffat Financial Group, call (760) 731-0489 or toll-free (800) 999-6001. The office is located in Bonsall's River Village, 5256 S. Mission Rd., Suite 903. Visit www.MoffatFinancialGroup.com.