Financial Planning

Financial Planning is the process of organizing, evaluating and utilizing your financial resources to help define and pursue your life goals.  Each plan is constructed in house and personally managed by our advisors (click to learn more about their experience and designations). Clients can view their data and recommendations in real time, using the latest technology to make adjustments along the way. Each plan may consist of any of the following parts:

Cash Flow Analysis – Covers debt reduction, credit review, budget planning, establishing savings.

Goal Setting – Unless written down in a clear, concise fashion, goals tend to remain just ideas. We write down and help track your financial goals with you.

Personal Net-Worth Analysis – Benchmarking your balance sheet (assets minus liabilities). Many people are surprised by their net worth because they’ve never seen it in black and white.

Income Tax Analysis & Reduction – A thorough examination of your current tax scenario to help minimize your tax liability.  We also identify and help to create opportunities to redirect cash flow savings above into your retirement accounts.

Education Planning -  It’s no small task these days to pay for a college education. We calculate the monthly savings or lump-sum investment needed to meet your goal, as well as help you select the education plan to save for a future education goal.

Retirement Projections – We’ll help you answer the question, “How am I doing?” and even more important, “What more can I/we do?” Includes evaluation of your current retirement savings and alternative strategies to help ensure greater financial security throughout retirement.

Insurance Needs Analysis – Some clients may have been oversold insurance by insurance agents. We may be able to either reduce your coverage to a more suitable level, or obtain the same coverage for less premium, once again redirecting those savings into your retirement accounts.

Estate Planning – Don’t let Uncle Sam become your largest heir.  By planning today, you may be able to maximize the transfer of your wealth and control while reducing taxes.

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