Financial Planning
Philosophy and Approach
Client-centric: All plans begin and end with your input, collaboration, and participation. Your needs shape the planning process.
Goal-based and data driven: We quantify, prioritize, and evaluate how best to meet your financial goals and objectives.
Comprehensive: Our Certified Financial Planners® provide unbiased advice in a professional, comfortable environment, and deliver customized financial planning.
Financial Planning Services
Financial Positioning
Assess current financial position
Analyze cash flow
Establish budget
Develop cash reserves
Understand net worth: assets & liabilities
Leverage debt: mortgage, student loan, line of credit, etc.
Insurance Review
Evaluate risks and review coverage
Evaluate current insurance coverage
Plan for long-term care
Provide for surviving family
Insure against income lost due to disability
Investment Management
Develop portfolio strategy
Develop a long-term strategy
Rebalance asset allocation, align risk and return
Position to meet current market conditions
Implement tactical shifts
Account for inflation and taxes
Develop proper asset location
Provide funds for college
Plan retirement distributions
Tax Management
Manage tax liabilities
Review current taxes
Analyze the impact of taxes on goals
Evaluate tax efficient investment options
Plan for lifetime giving
Integrate low-basis or concentrated positions
Assess impact of non-qualified distributions
Retirement Planning
Build and generate income after working
Evaluate age/timing scenarios
Align investments to retirement goals/needs
Integrate pensions, and other income streams
Coordinate healthcare planning (e.g., Medicare, Medigap)
Optimize Social Security
Estate/Legacy Planning
Align your asset transitioning needs
Identify goals during and after lifetime
Reduce estate erosion
Share financial principles with family
Incorporate charitable strategies
Plan for next generation(s)
Analyze alternative asset transfer techniques
Reporting
Our reporting provides a holistic view of our clients’ overall financial picture incorporating cash flow, budgeting, asset protection, investments, taxes, retirement and estate planning.