Financial Planning

At some point, we all want to retire. Success is dictated by designing and implementing a realistic plan and making ongoing adjustments as needed. We utilize sophisticated goal-based retirement planning software that incorporates your assets, savings goals, projected living expenses, and future income expectations to develop an investment and savings strategy for retirement. Our software enables us to run a variety of simulations across all stages of your life and provides you with the peace of mind knowing you have an achievable plan in place.

With the steady rise in tuition costs, the need to begin planning early for college has become a necessity. We assist you with developing a savings strategy and offer guidance on the various college savings vehicles, including Education Savings Accounts, 529 Plans, and brokerage accounts. As part of the planning process, we help to design a customized investment strategy that incorporates the investment time horizon and growth expectations for the college savings portfolio. We adjust the plan as your goals and needs change, ensuring you are prepared for this critical period in your child’s life.

With rising federal and state budget deficits, it is unlikely that tax rates will decline anytime soon. We work with you to explore a wide range of tax avoidance strategies that can help you keep more of what you make. From maximizing tax-deferred savings and tax-preferential trading strategies to portfolio design and investment selection, we arm you with the knowledge and tools necessary to maximize your tax savings. Throughout this process, we coordinate on your behalf with your accountant to ensure the proper tax planning is in place.

Life is full of surprises. Making sure we are prepared for these surprises is critically important. Whether you are dealing with major life changes such as marriage, children, unexpected loss, or starting a new business, we can help you assess the impact of these changes from a risk management perspective. Coordinating with outside legal and insurance professionals, we help you examine risk management strategies including life and disability insurance coverage. We also help to explain the key features and benefits of essential estate planning documents including wills, trusts, healthcare proxies, and power of attorney. Our clients benefit from our independent perspective and working relationships with legal and insurance firms in the surrounding community.

Developing a realistic and actionable budget is one of the most important financial actions any of us can take. We help clients develop a customized budget, identify savings opportunities, and craft debt reduction strategies targeting payments on high-interest loans. Our clients benefit from an unbiased 3rd party perspective and often identify savings opportunities that result in improved lifestyles.

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