Financial Planning Philosophy

  1. Your Why and Values before your Numbers.

  2. Guidance on ALL aspects of your Financial Life.

  3. Freedom to use (or don’t) our Investment Management options.

  4. Compassionate and Judgement Free Zone.

 

Financial Planning Services

 

Basic Financials.

  • Financial Statements

    • Balance Sheet

    • Changes in Net Worth

    • Income and Expense

    • Cash Flows

  • Simple or Detailed Spending Plans

  • Debt Management

    • Credit

    • Mortgages

    • Student Loans

    • Auto

  • Family and Career Transitions

 

Tax Planning.

  • Current Year Tax Projections

  • Capital Gain/Loss Strategies

  • Tax Diversification for Retirement

  • Tax Advantaged Investment Choices

  • Asset Location Strategies

  • Planning for Medicare: Taxes, Premiums, and Surcharges

 

Small Business Advisory.

  • Business Entity Considerations

  • Start-Up Income and Expense Projections

  • Personal and Business Balance Sheets for Funding

  • Healthcare and Benefit Selection

  • Employer Retirement Plan Selection

Goal Planning.

  • Establish and Track Progress to Goals:

    • Emergency Fund

    • Retirement

    • Education

    • Major Purchase/Renovations

    • Travel

  • Creating a Vision and Blueprint for Retirement

  • Saving For and On College

  • Pursuit of Financial Independence

  • Entrepreneurship

  • Family Caregiving

  • Charitable Activities

 

Risk Management.

  • Identification of Risk

  • Analysis and Evaluation of Options

  • Review of Existing Policies and Gaps

    • Healthcare Plan Analysis

    • Life, Disability, Long-Term Care 

    • Auto, Home, Umbrella

    • Business Insurance

  • Independent Insurance Policy Evaluation and Selection (we do not sell insurance)

 

College Planning Plus.

  • Balance Education Savings with Retirement

  • Create a Flexible Funding Plan

  • Compare Net-Cost of Schools BEFORE the Application and Acceptance Process

  • Anticipate Expected Family Contribution and Merit Scholarship likelihood

  • Evaluate Student Loan Options

Investment Analysis.

  • Define Investment Goals

  • Goal Assignment and Savings Strategies

  • Evaluating Investment Choices

    • Types of Investments

    • Management Options and Styles

  • Determining Risk Tolerance

  • Total and Account Level Asset Allocation

  • Coordinated Investment Strategy

    • Employer Plans

    • Assets Held-Away

  • Investment Fee Analysis

 

Estate Planning.

  • Basic Document Checklist

  • Ownership and Property Review

  • Estate Tax Projections

  • Trust Overview and Consideration

  • Gift Planning Strategies

 

Employee Benefits Optimization.

  • Medical Plan Analysis

  • Health Savings Account (HSA)

  • Flexible Spending Account (FSA)

  • Benefit Options Review and Selection

  • New Job Offer Benefits Comparison

  • Salary Negotiation