Question 1

What is a fiduciary financial advisor?

Accepted Answer

A fiduciary financial advisor is legally bound to act in your best interest at all times. Unlike other financial professionals, fiduciaries cannot receive commissions or kickbacks that might create conflicts of interest. At Semmax, we operate as independent fiduciaries, ensuring our advice is always in your best interest.

Question 2

When should I start retirement planning?

Accepted Answer

The best time to start retirement planning is as early as possible, ideally in your 20s or 30s. However, it's never too late to begin. Whether you're in your 40s, 50s, or already retired, we can help you optimize your retirement strategy and make the most of your remaining working years or retirement income.

Question 3

How much do I need to retire comfortably?

Accepted Answer

The amount needed for retirement varies greatly depending on your lifestyle, health care needs, and retirement goals. A general rule of thumb is to aim for 70-90% of your pre-retirement income. Our comprehensive planning process helps determine your specific retirement income needs and creates a strategy to achieve them.

Question 4

What services does Semmax Financial Group provide?

Accepted Answer

We provide comprehensive financial planning services including retirement planning, investment management, tax planning, estate planning, insurance analysis, and Social Security optimization. Our holistic approach ensures all aspects of your financial life work together to support your retirement goals.

Question 5

Do you work with clients outside of North Carolina?

Accepted Answer

While we're based in Greensboro, North Carolina, we work with clients throughout the state and can provide services to clients in other states where we're properly licensed. Contact us to discuss your specific situation and how we can help with your retirement planning needs.

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