Comprehensive financial planning

Comprehensive financial planning focuses around six specific areas comprising the following:

Life Planning

Most of us tend to think about the things we’d like to do in our lives in terms of the money required to make them happen. This vacation costs this much. That house (or vacation home) costs that much. So we’re often setting aside the day to day life we want to lead as a means to accumulate the money necessary to get the things we want, later. Life Planning turns this around. Nobody has ever wanted their life to be all about owning a diversified portfolio. Rather, a diversified portfolio makes possible the things we want to do with our lives. But what are those things? Life Planning is the process of discovering the full life we long to live and making it happen, no matter where we start. We call it Life Planning because what’s really important isn’t your money, it’s your life.

Financial Position

A review of your financial position with a better understanding of where you are right now. We will help you determine if you’re making the best choices when it comes to cash reserves and debt management and may help you discover if you are achieving a balance between your current lifestyle and future expectations. Taking a look at all areas of your financial life and seeing how they fit together is the crucial first step in creating a plan for the rest of your life.

Risk Management

Under extraordinary circumstances, the best of intentions can be swept away. We can analyze your situation and help you find ways to protect your income and assets at every stage of your life. We can help ensure that you and your loved ones can keep doing what you originally planned, no matter what surprises life has in store.

Wealth Accumulation

We can help you review the various options available to you and suggest ways to get results. The goal is to help you potentially maximize the return on your investments, taking into consideration financial objectives, time horizon and your personal tolerance for risk. Through periodic reviews, we can help to make sure that your investment plan reflects the changes inevitable at every stage of your life.

Tax Planning

It’s difficult to keep up with laws that change constantly and figure out how complex rules apply to your personal situation. We can help provide guidance. It is my job to keep abreast of current regulations and to give you the benefit of our professional knowledge and experience. While only your accountant or attorney can provide tax or legal advice, we can work with them to coordinate a plan that best suits your needs.

Retirement Planning

Obviously, the earlier you begin planning, the more sound your financial future can be and the more flexibility and freedom to choose the when, how and where of retirement you’ll have. But even if you’ve already retired, you want to make sure that the money you have accumulated continues to work for you. Regardless of your age or life circumstances, we can help you adapt to your changing needs in order to achieve financial independence.

Estate Planning

If you become incapable of managing your affairs while you’re alive, will your finances continue to be managed effectively? Proper estate planning can help you to anticipate your future needs and pass on more of your wealth to your family and charities. It can take into consideration the special concerns of families with minor children, families who have members with special needs, business owners who need to address succession planning or grandparents who’d like to help the grandkids go to college. With a financial plan in place, you can pass on a legacy, not a tax burden, to your heirs.

Through a collaborative, one-on-one relationship and a concise process, we will help you realize the full potential of your financial future by identifying and prioritizing your short- and long-term goals. This is a critical step in helping you engineer a targeted plan that employs financial strategies customized to meet your needs.

It begins by taking a personal, in-depth look to understand your specific financial goals and help you define a clear plan for how to achieve them. Based on that understanding, we can help you:

  • Achieve a balance between your current lifestyle and future expectations
  • Minimize tax impact on your portfolio
  • Decide how to invest based on your goals and tolerance for risk
  • Provide appropriate solutions that help protect you and your family against the unexpected
  • Actively plan for and save toward your desired retirement lifestyle in a balanced, disciplined approach
  • Custom-design programs to help you achieve your special goals, such as buying a home, retiring early, paying for your child’s education, fulfilling your family legacy and philanthropic giving desires and more.

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For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | 404-937-7459