Falck Financial Services

Meeting life’s goals, one bucket at a time As an independent financial planning firm committed to helping our clients work toward improving their long-term financial success, Falck Financial Services recognizes that each person and circumstance is unique. Using a global perspective, we work to tailor a plan specific to your needs and situation and strive to build long term relationships with our clients. Do You Have a Bucket Plan®? People often think of a "bucket list", but what about a "Bucket Plan"? Taking into consideration objectives, assets, income and obligations, together we can design a strategy utilizing a framework of Now, Soon and Later buckets to try and help reach your goals. The three bucket approach divides your money into Now, Soon and Later buckets. The Now bucket is segmented money that is safe, liquid and is intended to be used in the next 12 months. It includes an emergency fund to try and deal with financial surprises. The Soon bucket is for money aimed at identified goals over the course of the next ten years, money that is not needed today, but sooner rather than later. The Later bucket is for long term goals, generally greater than ten years. Money in this bucket tends to be invested for greater growth potential. Through this process, we work to educate clients on the concepts of the money cycle, market risk, interest rate risk, and sequence of returns risk. To learn more about this planning approach, please visit our website or contact us at 507.645.2993 or 800.601.6638 for a free initial consultation! Securities offered through FIRST HEARTLAND CAPITAL, INC. Member FINRA/SIPC. Advisory services offered through First Heartland Consultants, Inc. 4101 Lake St. Louis Blvd, Lake St. Louis, Missouri 63367.(636) 625-0900. Falck Financial Services is not affiliated with First Heartland Capital, Inc.