Financial Planning

We offer financial planning customized to each client’s particular interest, goals and unique financial situation.

Financial Goal Analysis

The cornerstone of our financial planning process starts with a detailed discussion around your values and your goals.  We will help you prioritize your goals around your financial resources.

Net Worth Analysis

Your total financial picture is considered, not just your investment portfolio.  Your total net worth is analyzed and reviewed to ensure your assets are working in the best manner possible to meet your financial goals.

Retirement Accumulation Planning and Retirement Distribution Planning

Everyone wants to retire someday.  This is probably one of the greatest concerns most of our clients have.  Can I afford to retire?  Have I saved enough for retirement?  How much longer do I need to work?  How much more should I save?  We will help you answer these difficult questions and provide you with a detailed retirement projection illustrating year by year whether you are on track to meet your goals.  If you are near retirement, or in the retirement phase of your life, we will provide you with a strategy to spend down your portfolio assets in the most tax efficient manner possible enabling you to maintain your lifestyle and providing you with financial peace of mind.

Cash Flow Analysis

We review all sources of current income versus your total annual expenditures and identify opportunity areas.

Investment Planning

Risk tolerance is reviewed and a recommended asset allocation structure is provided.

Tax Planning

We identify potential areas to minimize taxes, review portfolio cost basis and incorporate tax efficient recommendations for your investment portfolio.

College Planning

If you interested in funding education for your children or grandchildren, we can develop and recommend a college savings program and outline recommendations relative to your college planning needs.

Risk Management

Unexpected catastrophic events can impact your financial goals.  It is important to plan for your dependents and insure goals can still be met.  Note that as fee-only financial planners, we do not sell insurance products.  Instead, we evaluate risks and advise our clients on the risks they should consider covering.

Estate Planning

It is important that your assets are coordinated with your estate distribution wishes.  We can provide a basic estate planning review and if needed, referrals to an estate planning attorney for the creation of estate planning documents or revisions to your existing documents.