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


Our reporting provides a holistic view of our clients’ overall financial picture incorporating cash flow, budgeting, asset protection, investments, taxes, retirement and estate planning.

Get in touch to schedule a time to talk with a member of the F.L.Putnam team by reaching out to us below.

Contact us