SL_UnivestFinancialProfile_0119FINAL_Layout 1 1 / 15 / 19 4 : 49 PM Page 2 ~ roviders and adopted a and advice for clients throughout the Greater cently changed cable p Financial planning less extravagant package ; he ended up saving ap - Philadelphia Area . In this role , Norris leads a full - p service wealth - advisory firm of investment pro - roximately $ 100 a month . Likewise , parting is not about showing fessionals who are driven by a sense of higher generated an additional $ 30 ways with a landline purpose : to provide solutions that can help per by month in savings . He suggests shopping you how to get to the clients achieve their investment and for insurance plans may be another way to planning prune expenses . While most individuals choose goals , no matter what those goals may be . ?nish line ; it’s about the insurance plan provided by an employer , he “ Our wealth division has a lot of talent and says better options that provide comparable cov - of capabilities , with the backing of one the most showing you how to erage at a lower price may be attainable . trusted financial institutions in the Philadelphia “ Almost anybody can find another $ 25 to area , ” Norris says , referring to Souderton - based make small changes $ 50 per month , ” he says . “ That’s money that Univest Financial Corp . “ goal is to deliver Our u get that can help yo can be invested according t products and services — solutions is a better o your tolerance for word — to clients in any way they want to receive risk . You can’t invest short - term money for the to the ?nish line . them , so they can accomplish the things in life long term , but if you have ‘ found ’ money , I al - t ways advise people t think for the future . It’s a o hat are most important to them . ” common saying but it rings true : ‘ It’s not about When Univest unveiled Girard earlier this timing the market ; it’s about the time in the sforma - month , the company completed a tran market . ’ In other words , you have to keep the tion of its wealth division , as well as an ambitious money working for you . ” rebranding project rooted in the storied history ~ of banking in Philadelphia . e name Girard Th — Kevin B . Norris , comes from Girard Partners Ltd . , a company that Look for opportunities to pay off debt . president of Girard , • formed in 1995 and drew its inspiration from Consolidating home mortgages , home - equity a Univest Wealth Division Stephen Girard , a prominent lines of credit , and credit card bills into a single , Philadelphia mer - lower - interest payment can help pay off debt in chant and philanthropist who founded Girard a quicker fashion . By doing so , Norris says , in - Bank in the early 1800s . vestors can free up more funds for investment After several years of steady growth , Girard p ners gained the attention of Univest Financial Part urposes — and have a significant effect on their and its wholly owned subsidiary , Univest Bank su financial plans as a re lt . and Trust Co . In December of 2013 , Univest Fi - ancial purchased Girard and its $ 500 million in n Get informed advice . By working with an • assets under management . The name and brand investment advisor , an investor can benefit from may have evolved over the years , but Nor a customized financial plan designed to bring ris says goals within reach . While some people may the core values remain firmly in place . think financial planning is reserved solely for the “ We focus on what our clients value , not on wealthy , Norris suggests individuals o to say what they are worth , ” Norris says . “ We like f all means that we have wealth solutions to get our clients would benefit from a well - informed , carefully ar - from diapers to diplomas . That’s another way of chitected financial plan . saying we have customized solutions for what - “ There is a cost involved , but a good finan - ever our clients ’ goals or financial needs might planner can show you ways to overcome cial be . Whether it’s financing a car , planning a fam - the fee and essentially pay for the cost of the fi - ily , funding a child’s ed nancial plan , ” he says . “ I like to say that f ucation , or plotting out re - inancial not about showing you how to get tirement , planning is each strategy is as unique as each to the finish line ; it’s about showing you how to client’s needs . ” make small changes that can help you get to the Girard has a full - service team of invest - finish line . ” Looking Toward the Future ment professionals who are driven by a sense of higher purpose : to provide No Regardless of a client’s situation , Norris suggests matter where someone might be in his solutions that can help clients achieve the act of creating simple , actionable , and achiev - or her life , Norris says it’s essential to understand their investment and planning goals , able goals can increase the probability of success f that , much like lying a plane , making minor no matter what those goals may be . with one’s financial plan . To illustrate his point , “ course corrections ” in one’s financial plan can he offers four ways in which individuals can be - help an individual arrive at a completely different , come more fiscally sound as a way to and m re desirable , destination . In other words , fund o a taking small and manageable actions now may stress - free retirement or otherwise support one’s cise ; you can learn a lot about yourself and your help yield significant results years into the futu long - term financial goals . re . bits with a simple software program spending ha For more information on Girard , a Univest like Quicken . ” Establish a budget built around goals . ? Wealth Division , visit MeetGirard.com . • “ Managing day - to - day finances more closely can Downsize where possible . For investors • help you save money and squeeze a penny as who are on the cusp of retirement , downsizing Girard , a Univest much as you can , ” Norris says . “ By understand - to a smaller home may serve as a source of funds D ing where you’re spending money in each cate - or future investing . This , in turn , can help to re - f Wealth Division gory of your life — entertainment , household duce monthly expenses for things such as utilities MeetGirard.com expenses , luxury items — you can then see and maintenance . O?ce locations in Allentown , Doylestown , where you can trim or even eliminate entirely . It Downsizing applies to much more than King of Prussia , and Souderton . doesn’t have to be an overly complicated exer - where one calls home . For example , Norris re - SUBURBANLIFEMAGAZINE.COM JANUARY 2019 | 37