Successful planning is not about making all the right decisions - it's about being agile enough to make the decisions right once made.
Financial Goals
Be clear about your purpose
We'll help you identify your financial goals and a plan to achieve them.
We'll help you define your values around what you plan to accomplish, what resources you'll need and are, or will be, available to you on your way to success, how much time you'll need to reach your goals, and how much you'll need to plan to allocate to your goals (e.g. from their budget or net worth, etc.).
Insurance Review
Understand your safety nets
We'll help you review your existing insurance policies, coverage types, etc. to ensure proper coverage for life, health, disability, long-term care, liability, home and auto, etc.
Risk Management
Know where you're exposed
A risk management review typically includes an analysis of your exposure to major risks that could have significant adverse impact on your financial picture, such as a premature death, disability, property/casualty loss, or need for long-term care services.
We can offer strategies to minimize your risks and approaches to weighing the costs of purchasing insurance versus the benefits of doing so, and likewise, the potential cost/benefit of not purchasing insurance (“self-insuring,” or partially “self-insuring”).
Cash Flow and Debt Management
Be intentional with your dollars
We'll conduct a review of your income and expenses to determine current surplus or deficit and provide advice on prioritizing how any surplus should be used or considerations for reducing expenses in the event of deficits.
We'll help identify and prioritize debt pay- off strategies based on factors such as the interest rate of the debt and any income tax ramifications.
We'll recommend appropriate cash reserves that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, and strategies to accumulate desired amounts.
Planning for College Expenses
Plan ahead
We'll help you understand the potential costs of college or other post-secondary funding goals, and provide advice on various strategies to accumulate desired amounts.
We'll help you understand the various options for funding education and recommendations as to savings strategies for these goals.
Employee Benefits Optimization
Make the most of your resources
We'll review and analyze your entire benefits package and help you understand your options. We'll assist you in ensuring you're optimizing your employer benefit programs.
For business owner clients, we'll help you evaluate and recommend various benefit programs that can be structured to meet both business and personal financial objectives.
These services may be provided during the development of the initial plan and/or during an open enrollment period later in the plan year.
Investment Analysis and Planning
Invest on purpose
We'll help you develop an asset allocation strategy consistent with a your financial goals, risk tolerance, and investment time frame, and/or review of existing portfolios.
We'll provide education on investment vehicles and strategies, including reviewing employee stock options, and assist you in establishing investment account(s) with a selected broker/dealer or custodian.
Retirement Planning
Live a life of financial independence
We can project your likelihood of achieving your retirement goals, focusing on financial independence as the primary objective.
If your projections show you're off the mark, We'll help you understand what you can do to change that. We'll help you weigh your options of working longer, increasing contributions to retirement plans, reducing planned spending levels, pre- and/or post retirement, and if taking on more risk with investments is appropriate.
Estate Planning
Your legacy
We'll help you define what you want your legacy to be.
We'll help you determine your exposure to estate taxes and analyze your existing estate plan.
This may include a review of the your will, powers of attorney, trusts and other related documents.
We'll make recommendations for minimizing or avoiding future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts.
Tax Planning Strategies
Maximize what's left over
We can provide strategies to minimize your current and future income taxes as part of your overall financial plan.
For example, we might recommend specific account types and/or specific investments based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to Federal, state, and/or local tax laws and rates that may impact your situation.
We always recommend that you consult with a qualified tax and/or legal professional before initiating any tax planning strategy or initiate, update, or complete estate planning activities.
Upon your request, we may provide you with contact information of tax or legal advisors (e.g. accountants, CPAs, tax attorneys, estate planning attorneys, etc.) who specialize in these areas.
When appropriate, we can participate in meetings and/or phone calls between clients and their tax and legal advisor(s) with client pre-approval and/or request.
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