Financial Planning Philosophy
Your Why and Values before your Numbers.
Guidance on ALL aspects of your Financial Life.
Freedom to use (or don’t) our Investment Management options.
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