Comprehensive Financial Planning
A More Detailed Explanation
Our Financial Planning Services
Retirement Planning
Pre-Retirement: Retirement is a big decision. We determine your overall financial situation to set attainable retirement goals, establish long-term projections to keep you on track, and monitor your assets so you are confident as you move towards retirement.
Post-Retirement: Planning and monitoring should continue in retirement. We manage your assets, review and adjust long-term projections to ensure your spending is in line with what your assets can support, and establish withdrawal strategies based on your needs, assets and income sources.
Investment Advice & Investment Management
We work together to establish your personal investment objectives, risk tolerance, time horizon, tax considerations and overall financial situation. We will design and manage an individually tailored portfolio that is reviewed regularly and adjusted as needed.
Your investments are a major component of your overall financial plan. We help you understand your investments and make smart long-term decisions so you are confident in your investment choices.
Tax Strategies
Tax strategies are specific and unique to each individual. We work with you and your tax professional to evaluate and implement timely tax strategies. Strategies may include tax efficient withdrawals, required minimum distribution processing, Roth IRA conversions, charitable contributions and capital gain/loss planning.
Estate And Legacy Planning
Estate Planning: We help ensure you have all the necessary documents in place in case of incapacity or death and review those documents periodically.
Legacy Planning: Transferring assets to family, friends or charities is an important goal for many people. We work with you and your estate planning attorney to carry out recommended plans and strategies.
Education Planning
Saving for college can be stressful, but is an important part of planning for the future. We help you determine how much you need to save for future college costs, savings strategies and distribution strategies.
Employee Benefits
Employee benefits are an important part of your overall compensation. We advise on insurance benefits (life and disability insurance), employer stock benefits and divestiture strategies, and retirement plan funding.
Real Estate
Buying a home is a big financial decision. We provide guidance when buying a house, vacation home or rental property. We also advise on whether to refinance, pay-down or pay off your existing mortgage.
Charitable Giving
We optimize your charitable giving for tax purposes by evaluating the impact on your taxes, determining gifting strategies and selecting the best assets for gifting (i.e. cash, stocks, mutual funds, etc.).
We also advise on the use of Charitable Gift Funds (a.k.a. Donor Advised Funds).
Insurance Review
Life Insurance: As your life changes (i.e. marriage, divorce, birth of a child, death of a spouse, employment and lifestyle changes), so should your life insurance coverage. Proper life insurance amounts are important during your earning years and later in life. We evaluate whether you have the proper amount and/or whether you need insurance later in life.
Disability Insurance: Many people receive disability insurance through their employer. Individual policies are available if your employer does not offer any disability insurance or an insufficient amount and for self-employed individuals. Individual policies are more expensive than group policies. However, disability insurance is important to protect you and your family in case of an injury.
Long-Term Care Insurance: Many people will need some level of long-term care in their lifetime. Long-term care insurance can cover some or all of the costs, but it is expensive. We evaluate whether long-term care is right for you.
Annuities: Annuities are an investment and an insurance product. There are many different aspects of annuities including surrender fees, riders, guarantees and tax considerations (while living and upon death). We explain the various types of annuities and whether you should keep any existing annuities.