A comprehensive and custom financial plan includes coordinating the following elements. Click each term to learn more about our approach to each of these important topics.

• Investment Management
  • REVIEW ASSETS: We take inventory of your current investments and available cash.
  • ACKNOWLEDGE GOALS: We take inventory of your short and long term financial goals, such as: retiring by a specific age, saving for a downpayment on a house, and/or financing children or grandchildren’s college education.
  • ASSESS RISK TOLERANCE: We evaluate your financial capacity for weathering investment volatility.
  • DEVELOP INVESTMENT STRATEGY: We develop an investment strategy that aligns with your goals and risk tolerance.
  • SELECT INVESTMENTS: We select the types of investment account(s) to open and fund.
  • STRATEGIZE FUNDING: We determine how much and how often to contribute to your investment account(s).
  • MANAGE PORTFOLIO: We regularly review and rebalance your investments.
• Retirement Planning
  • IDENTIFY GOALS: We identify your goal retirement age and lifestyle.
  • IDENTIFY INCOME SOURCES: We identify your retirement incomes sources such as social security, retirement accounts, investments, etc.
  • ANALYZE READINESS: We analyze how your current financial landscape relates to your retirement goals.
  • ADJUST RISK TOLERANCE: We analyze the potential need to adjust risk tolerance.
  • STRATEGIZE WITHDRAWALS: We strategize when to take income various income sources.
  • PLAN FOR RMDS: We calculate and strategize when and how to take your Required Minimum Distributions.
  • PLAN FOR INFLATION: We strategize how to keep up with rising costs of living.
• Tax Planning
  • REVIEW TAX RETURNS: We will review your recent tax returns.
  • INVENTORY INCOME: We will inventory taxable income sources and determine your tax bracket.
  • ANALYZE OPPORTUNITIES: We will analyze opportunities for tax efficient investments such as Roth accounts, Health Savings Accounts, 529 plans, etc.
  • MANAGE CAPITAL GAINS: We will identify potential strategies to mitigate capital gains on investments and large sales.
  • IDENTIFY GIFTS: We will identify tax efficient ways to gift to charity and to friends and family.
  • REFER TO A TAX PROFESSIONAL: We will refer you to a tax professional for specific tax advice and filing assistance.
• Estate Planning
  • EDUCATE: We will provide education on the basics of estate planning and why it is important.
  • INVENTORY ASSETS: We will take inventory of your estate.
  • IDENTIFY ROLES: We will help you identify who will play which roles in the settlement of your estate.
  • DETERMINE WISHES: We will help you determine asset allocation, end-of-life decisions and care for minor children.
  • MAKE CONSIDERATIONS: We will help consider tax implications and asset protection strategies.
  • REFER TO LEGAL HELP: We will refer you to a legal professional to navigate estate planning and execute documentation.
  • REVIEW REGULARLY: We will regularly review your estate plan related to life updates.
• Risk Management
  • IDENTIFY POTENTIAL RISK: We will discuss potential risks that can threaten your financial landscape, goals, or lifestyle.
  • EVALUATE RISK TOLERANCE: We will evaluate your financial capacity to cope with various types of emergencies.
  • PLAN FOR INSURANCE: We will enroll you in, or refer you to an insurance professional for applicable insurances, such as:
    • Life insurance
    • Health and Disability insurance
    • Long Term Care insurance
    • Property and Casualty insurance
    • Business insurance