Welcome to The Financial Management Group

Welcome to our Web site -- an information resource designed to help you learn more about personal finance. Click around and you'll find a variety of financial tools. There are financial calculators that can help you get a clearer picture of where you stand and where you're headed. There is a research library and newsletter articles on a wide range of financial topics. You can even request a quote for an insurance or investment product. And check back often, because we're constantly adding new material. If you have a specific question or want more information, click on Contact Us, drop us an e-mail message at gene@ec-fmg.com or chase@ec-fmg.com, or call us at 252-335-7011. We're ready to help.

Life is a Journey

We strive to help our clients experience seven glorious outcomes when working with us:

  • If a breadwinner dies prematurely, the family's lifestyle may not be fatally compromised; they can stay in their home, education plans may remain financially on track; the family's business may not have to be sold precipitiously at a disadvantageous price.
  • Similar outcomes may prevail in the event of a disability.
  • The children/grandchildren of the family may be able to afford a quality education for which they can qualify without being saddled with student loans when they themselves have children.
  • The current generation of the family may be able to retire at its own time and on its own terms; with a high degree of confidence that it may not outlive its income--that their dignity and independence may not be undermined by up to three decades of rising costs.
  • The current generation may, if necessary, be able to contribute meaningfully to the support of its parents.  Moreover, this generation may never become a burden to its children; even if extended nursing home stays are required.
  • Even as retirement income rises to offset inflating living costs, this generation's capital may continue to grow over time, endowing meaningful legacies to the succeeding generations.
  • Estate tax may not force the sale of a family's important assets (homes, business, etc.).  This liability may be funded out of the residual capital and/or may be insured.

Choose your pilot wisely.

Our Services

We serve individuals and businesses in all areas of financial management, including:

  • Retirement planning - Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you may need to retire comfortably. Managing assets before and during retirement. 
  • Tax management - Looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists. 
  • Estate planning - Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Striving to reduce exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. 
  • Risk management - Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation. 
  • Education funding - Recommending investment and accumulation strategies to help you pay for your children's education. 
  • Investment Planning - Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals. 
  • Employee and executive benefits - Helping your business attract and retain qualified employees through benefit packages.