Working and Family Years
Helping People Make Great Decisions About Their Personal Finances
Working and Family Years Financial Planning Services

Working Years Comprehensive Planning
A Comprehensive Financial Plan that takes into consideration everything going on in your busy life
- Budgeting, Debt Reduction and Wise use of Credit
- Retirement, Education, and Financial Goals
- Insurance and Family Goal Protection
- Investment and Tax Efficiency Strategies
- Estate and Legacy Planning
- And More - Tailored to your specific needs

Working Years Targeted Planning
Targeted Financial Planning for Wealth Builders to Grow the Family Tree
- Debt Reduction and Financial Independence Strategies
- College/Education Planning for Children
- Cash Flow and Budgeting Strategies
- Investment Management Services
- Risk Management and Insurance Planning
- Retirement Accumulation Planning
The Financial Planning Process
I've been in this business a long time, in that time, I've developed a process for working with my clients designed to put them in the best position to succeed.
Schedule a free, no obligation appointment
I Want to Learn moreAnswering the Financial Questions that Count
Do you want to get answers to the financial questions that will impact you but don't know where to start? Click on the link below to get a questionnaire. There are a number of topics and life events listed to help you narrow your focus with answers designed to help you gain confidence with your money.
There's no cost or obligation and you decide if you want to continue to receive information.
Download the file and open it so you can complete it and email it back.
Special Groups
Contact me about your unique benefits systems and discounted services if you are working in one of these "Special Groups"

School District Employees
Educator's Analysis
- Retirement Accumulation
- Retirement Income Projections
- Pension Income Options
- Social Security Claiming Strategies
- Healthcare Choices in Retirement

Federal Employees
Federal Employees
- FERS/CSRS Annuity
- FEHB for Retirement
- FEGLI - Current/Retirement
- Social Security and Medicare Choices and Enrollment
- Long-Term Care Options
* Jay Ennis, Focus Financial and Osaic Wealth, Inc. are not government entities or government employees nor are they affiliated with any government entity.
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