Any financial planning services provided are tailored to your specific needs as part of our comprehensive Wealth Management Process.

Financial Planning

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.

Social Security Planning

Through our retirement planning process, we will review your Social Security claiming options and identify and recommend the best course of action for your unique financial situation.

College Planning

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

We believe one of the best savings vehicles for college is the 529 College Savings Plan.  To learn more, read our article “529 College Savings Plans.”

Risk Management

Unexpected catastrophic events can impact your financial goals.  It is important to plan for your dependents and ensure 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.

Medicare Planning

Planning for health care coverage in pre-retirement and retirement is absolutely essential today.  Through our retirement planning process we can identify and incorporate expected health care costs in pre and post retirement for the remainder of your life.  At age 65 you can transition to Medicare health coverage.  The premiums for Medicare Part B and D vary depending on your income in retirement.  You can read more about these potential costs in our article “How Much Will I Pay For Medicare Premiums.” 

Tax Planning

We identify potential areas to minimize taxes, review portfolio cost basis, incorporate tax efficient portfolio spend down strategies, utilize tax efficient investment options and regularly review client portfolios for tax loss harvesting opportunities.  We can also work with your CPA or tax professional to make sure they have the necessary investment related tax documents for your annual tax filing. 

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.