Comprehensive Financial Planning

We help clients through an Annual Planning Relationship to review, resolve and enhance every aspect of their financial life once we identify their values and goals. We create professionally customized financial plans in-house for each client and address these 12 areas. 

• Take a detailed inventory of your assets and liabilities
• Determine ways to balance your taxable and tax-advantaged investments
• Identify single investments that might be overweighted  

• Maximize your spendable income
• Eliminate unnecessary debt
• Create an annual spending plan
• Use a tracking system to monitor your cash flow
• Develop and maintaining a high yield, liquid emergency reserve
• Reduce expenses that are not meaningful to you
• Is refinancing the right answer for you?
• How does the “debt snowball work”? 

• Reduce your income tax burden where possible
• Collaborate with your tax advisor to create a surprise-free tax year
• Identify ways to diversify and reduce your future tax exposure
• Understand which retirement plans would be the best for you  

• How much will you need?
• Do you have enough?
• How long will it last?
• Which resources do you draw from to create your income?
• What do you need to earn on your investments?
• What about inflation and taxes?
• Integrate your financial resources to achieve the retirement you desire 

• Assess your risk tolerance and investment philosophy
• Analyze every account that you own
• Propose a personalized investment strategy using diversified portfolios
• Create a roadmap for how to reposition your assets as needed
• For those clients currently employed and participating in their employer-sponsored retirement plan, we offer recommendations and implementation of an appropriate portfolio within their plan, based on the available choices

• Discuss your wishes for the student(s) in your family
• Determine the total cost of education
• Identify the savings plan needed to achieve your goal
• Use the appropriate account type to provide control and flexibility
• The implementation of 529 Plans is included in the planning fee 

• Evaluate the types and amounts of insurance you have and that you need
• Collaborate with your insurance agents to fine tune your coverage
• Coordinate the ownership and beneficiaries with your estate plan 

• Do you have a comprehensive estate plan in place?
• What needs to be updated and/or acquired to complete your estate plan?
• Collaborate with your estate planning attorney to implement the appropriate documents for your situation
• Confirm that your beneficiary designations are appropriate for your plan
• Identify effective ways to pass your wealth to your heirs and charities of choice, while minimizing the overall taxation on your estate 

• Address your giving philosophy and how you want to make an impact
• Determine the best assets to use to implement your wishes
• Collaborate with your favorite charities and professional advisors to complete the gift
• Involve your family in the process to create a culture of giving
• Redirect funds that might be exposed to taxation toward the causes you care about
• The implementation of Donor Advised Funds is included in the planning fee 

• Identify current and future needs of a loved one with a disability
• Preserve access to benefits and eligibility for services for that loved one
• Maximize public and private resources