Our Service and Offerings

Dowland Financial Services offers a wide array of products and services for our clients.  From world class professional money management and insurance products to life and health insurance, we strive to find the best way to make the most of your investment portfolio to meet and exceed your goals.  Our experienced and knowledgeable staff will help you every step of the way.  We can discuss and provide:

  • Mutual funds
  • Professional money management
  • IRA, ROTH IRA, Simple IRA
  • TSA, 403(b), 457 plans
  • Pensions, 401(k), Profit Sharing
  • Annuities
  • Life Insurance
  • Health Insurance
  • Long-Term Care Insurance
  • Estate Planning


What's included in a Financial Plan?

  • A sound financial plan generally consists of six distinct areas of financial strategies.  By focusing on these six specific areas, with the guidance of Matt, you can determine the best way to achieve your goals.  You may choose to start with a focus on just one area of the plan, but with the understanding that one area affects all the others, a complete financial plan should address all six.

    Financial Position

    Taking a look at all areas of your financial life and seeing how the various parts fit together is a critical step in creating a financial strategy for the rest of your life.  Matt will help you define your specific financial objectives, strengths, weaknesses, and opportunities, and then assist you in prioritizing your goals.  By taking a look at your present financial position we can determine whether you are making the best choices in achieving a balance between your current and future expectations.

    Risk Management

    Protection for your family can take a variety of forms, such as income replacement, wealth replacement, and mortgage coverage.  Adequately preparing for these situations will ensure that your passing will not have a devastating financial effect on your loved ones.  We can make sure that your family will be taken care of financially when you cannot.

    Wealth Accumulation

    Financial security is a goal that we all strive to achieve.  We will assist you in implementing a financial strategy that will take you confidently into the future, helping you feel secure in the knowledge that you have provided for your family, no matter what their needs might be.  We will design a portfolio of investments that matches your risk tolerance with your needs, adjusting when necessary to meet a changing world economy.  We will work with you to ensure that the necessary funds are available to meet the educational needs of your children.  Your portfolio will include recommendations for health, life, disability and long-term care insurance for you and your spouse.  All services are approached with the most beneficial tax avoidance strategies in mind.  In addition, we provide our clients with an Investment Performance Analysis, our unique, in-depth quarterly tracking analysis and report.

    Retirement Planning

    Retirement is a serious concern for many since people are living longer, social security and pension income are limited, and taxes plus inflation erode  purchasing power over time.  For that reason, it is important to implement a retirement plan to make sure that you do not outlive your income.  A sound financial plan focuses on both the wealth accumulation and the distribution of your assets during your retirement.  We will work with you to form a retirement strategy that is likely to meet your needs during those years.

    Wealth Preservation

    You have worked hard all your life to accumulate wealth and assets that will sustain you over your retirement years.  Still, you need to make absolutely sure that you will not out-live your assets and that you and your family will be taken care of for a very long time.  You need to make sure that your funds are invested and wisely managed by the best people you can afford.  Our Investment Professionals will objectively apply strategies of asset allocation according to your personal risk profile.  We can help you protect your income from being used for the high costs associated with nursing homes or medical bills.

    Estate Planning

    A solid estate plan will help to ensure that your assets are eventually distributed according to your wishes.  Planning for your own death is not pleasant, but it is an important process.  A lack of planning might result in income and estate taxes reducing your legacy by as much as 70%.  Our Investment Professionals will help you organize your estate and personal affairs, and determine the most tax effective strategy to ensure that you pass on a legacy, not a tax burden.