Carnick & Kubik - Personal Financial Advisors, Impartial Financial Advice

"No matter what you've done for yourself or for humanity, if you can't look back on having given love and attention to your own family, what have you really accomplished?"

Elbert Hubbard, American editor, publisher and writer (1856-1915)
Intergenerational Financial Planning

Your parents raised you to be the person you are today. And now, as they are aging, it's your turn to help them achieve their remaining potential. At the same time, you're looking to the next generation, nurturing your own children - perhaps grandchildren - and encouraging them to do and be their best.

At Carnick & Kubik, we understand the vital importance of maintaining and transferring values - and assets - between the generations. That's why we offer services aimed at helping families work through the issues that can wreak havoc among family members. Whether you are caring for aging parents, trying to raise fiscally responsible children or planning for long-term financial objectives in your community, Carnick & Kubik has services in place to guide and assist you. From estate planning guidance, trustee services and eldercare management, to our distinctive "College of Financial Knowledge" for young adults, we can help you meet the needs for every generation in your family…so that years from now you'll be able to look back at your accomplishments with great satisfaction.

GENERATIONAL PEACE

The authoritative nature that made Fred a successful professional created serious problems for his wife, Alice. When he developed health problems so critical that he could no longer manage their financial affairs, Alice was at a loss. As she tried to figure things out, she discovered that they had no will, no trusts, no estate planning. Records of substantial investments were scattered and unorganized. She discovered enormous management fees and other costs. Everything was in disarray.

Alice turned to Carnick & Kubik. We created a comprehensive financial plan for Alice and consolidated the management of their dozens of statement into three accounts. We also worked with the couple's three grown children to help them understand their parents' financial affairs. When Fred died a few months later, his estate was in order, Alice had a plan for the next season of her life, and assets were passed to Fred's heirs with minimal tax consequences.