Broker Check

8 Wealth Management Issues

As an advisor with HD Vest, Dennis Cozen is committed to helping his clients make the most of their money while avoiding the most common financial pitfalls by following this framework:

Investment Management

In today’s investment environment, it is easy for clients to be overwhelmed by the amount of information available. Without professional advice, taking action could be detrimental to one’s investment goals. As an HD Vest advisor, Dennis can help his clients thoroughly assess their entire portfolio before helping them build a long-term investment strategy, diversify their assets*, and even deal with tax implications.

*Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.

Cash Flow and Debt Management

Everyone knows they should spend less than they earn, but not everyone actually does this. As an HD Vest advisor, Dennis can help his clients evaluate their current and future sources of income, become more efficient with their monthly budgets, and set aside cash for emergencies.

Family Risk Management

A key part of financial services is helping clients protect their retirement savings and their ability to earn income. Dennis can provide advice and guidance regarding insurance products that may help protect during unforeseen events.

Retirement Planning

Life expectancies are increasing. Pension plans are disappearing. And early retirement is always an appealing option. Dennis can help his clients form a clear vision of what they want from retirement and develop a financial strategy that may help them pursue their goals.

Education Planning

Every child dreams about what they will be when they grow up. A college education can be the most important factor in that dream becoming a reality. The available education planning choices can be confusing for clients, and it is important that they have someone helping them who understands how their savings will affect their child’s or grandchild’s ability to qualify for financial aid, as well as the implications for their income, gift, and estate tax situation. As an HD Vest advisor, Dennis can help his clients calculate not only how much they’ll need to save for college, but also which investment products are appropriate for their situation. With Dennis’ help, they will even be able to figure out how their savings will affect their children’s financial aid eligibility and how all of this will impact their tax situation.

Estate Planning

A well-crafted estate plan ensures that what one wants to happen will happen – even after they’re gone. As an HD Vest advisor, Dennis can help his clients avoid the tragic (yet surprisingly common) mistake of putting off estate planning until it’s too late.

Business Planning

Many business owners face daily financial challenges, such as having enough cash available to take advantage of opportunities when they arise, using the business as a vehicle to save for their retirement, and protecting the business from a potentially devastating financial loss. As an HD Vest advisor, Dennis can offer guidance that helps clients protect their family, their business, and their future.

Special Situations Planning

Throughout one’s life, some expected and unexpected needs will arise. Whether it is planning for a wedding, taking a spur-of-the-moment dream vacation, deciding to buy a second home, or facing unexpected expenses due to unforeseen events – no matter how carefully someone plans, unexpected financial needs happen. As an HD Vest advisor, Dennis can help his clients change their game plan without jeopardizing their long-term goals.



Investment services are offered by Dennis Cozen through his affiliation with HD Vest.