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Financial Guidance

For those seeking financial guidance, there are many pitfalls along the way.  When you do not know where to turn to develop a financial plan, knowing the difference between a 401(k) vs. a 403(b) plan, or whether having an IRA instead of a 401(k) is the right decision for you, we’ll be there to guide you.

For better financial planning experience, Total Resource Financial is here to help you.

401(k) Planner

Our team offers the financial guidance you need to map out your future. We work with you to figure out how much you should be putting into your 401(k) for your target retirement date. We work with clients all over the country, including our home state of Florida, from Hillsborough to Pasco to Pinellas Counties, to help receive a better financial plan for their futures.

401(k) vs. 403(b)

The main difference between a 401(k) vs. a 403(b) plan is who offers the plan. The 401(k) Plan is provided by for-profit companies to eligible employees. Eligible employees make contributions either through pre or post-tax money through payroll deductions. Employers may make matching contributions for those employees who qualify.

A 403(b) retirement plan is offered to employees of nonprofit organizations or government employees. The participants in this type of plan include teachers, school administrators, professors, government employees, doctors, nurses, and librarians. Many plans vest sooner than a 401(k) or allow for immediate vesting of the funds.

Total Resource Financial helps residents in the Florida counties of Hillsborough, Pasco, Pinellas, Polk, Manatee, and Sarasota, as well as across additional states and counties, gain a better understanding of their financial options in regards to their retirement plans.

Rollover 401(k) to IRA

If you are changing jobs or careers, you may have questions about the options regarding your 401(k). Our financial guidance can help you decide if rolling your 401(k) over into an IRA account makes the most sense for your situation.

Instead of a 401(k), an IRA can open up new investment opportunities for your money. Opportunities with potentially opening a Roth IRA, additional cash incentives, and easier estate planning advantages are available one you rollover your 401(k) into an IRA account.

Comprehensive Financial Planning in All Areas

Total Resource Financial's comprehensive planning process and financial guidance will also provide you a written financial report covering the following areas:

Financial Analysis:

We provide analysis of your current financial health by examining your assets, liabilities, income, taxes, and investments. This is also helpful for those looking for a second opinion on an existing portfolio or who are doing their own research.

Retirement Analysis:

We will review your current situation, analyze a test of your goals and risk tolerance, and make specific recommendations for effective retirement savings. We will also explore strategies for receiving social security and pension payouts.

Estate Planning and Elder Care:

We will educate you on the various facets of estate planning and examine your goals and how they may affect your taxes. We will analyze and provide advice for specific eldercare situations, how Medicare and Medicaid work, and planning for Long Term Care. We will work with your estate planning attorney or recommend one if needed.

Tax Strategizing:

We will try to find ways to improve your tax situation, and will work alongside your accountant or recommend one if needed.

Insurance Planning:

We will review your existing insurance coverage and/or recommend coverage that will support and enhance your financial plan.

Annual Review Meetings:

We will revisit the plan every year to make sure that it is still aligned to your personal circumstances, goals, markets and tax laws. It is in your best interest to reevaluate and revise your plan at least once a year.

Getting the financial guidance that you need should not be an agonizing process. Our clients, including local residents in Polk, Manatee, and Sarasota counties and beyond should have access to the financial planning tools they need to ensure their retirement is as comfortable as possible. Total Resource Financial also offers these services to help plan your financial future:

Contact us at or 813-696-3799 to schedule a consultation and start your Comprehensive Financial Plan today.

*All costs related to designing and implementing your comprehensive financial plan will be discussed at initial meeting.


We will always remain committed to supporting you, your employees, your plan, and its goals.