We specialize in customized planning and coaching for our clients in 3 important areas:

• Advice: Thoughtful and personal recommendations from an objective professional who is focused on your individual goals and values. Our desire is to know your financial situation in detail, and be committed to help you achieve every success that you desire.
• Investments: A strategic approach that emphasizes diversification, low cost, and tax efficiency while accommodating your individual portfolio.
• Financial Planning: A thorough approach to include your financial goals, retirement, cash flow, education funding and estate planning.

Our services menu for individuals, families, and employers can be described in further detail as follows:

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  Retirement and Financial Independence

• A typical retirement planning engagement includes thorough data gathering, interactive planning, building your personalized client portal, a risk sensitivity evaluation, a personalized goals based retirement projection, planning recommendations, and an action plan. Periodic Financial Check-Ups are recommended.
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  Asset Allocation and Investment Analysis

• A typical Investment Analysis includes a review of your current investments, an evaluation of your risk sensitivity, development of asset allocation and account location strategies, investment education materials, and recommended portfolio changes. You will implement the portfolio changes unless you have requested investment management services provided by us. Periodic review and rebalancing of your investments is recommended.
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  Cash Flow

• We work together to develop a clear understanding of your current cash flow then apply the magnifying glass to analyze spending habits for savings opportunities and consistency with personal goals. We will discuss wealth accumulation strategies as well as debt management.  We can best serve clients near or in retirement with more complex tax planning opportunities related to cash flow by incorporating our investment management services.
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  College Funding

• Your College Funding Plan will include development of college savings goals, calculation of the amount required to cover anticipated college costs, identification of financial and tax planning strategies to maximize resources and minimize college costs, savings strategies, and college funding reference materials. 
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  Risk Management

• We will review your current insurance declaration pages and areas in which you choose not to insure. In depth policy evaluation and recommendation is available through outside licensed insurance experts. The Risk Management review includes a life, disability, and/or long term care insurance needs analysis.
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  Tax Planning

• This analysis includes a comprehensive review of your 1040 tax return for specific tax planning and savings opportunities. Tax planning is also available as an overlay on all other planning modules.
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  Estate Planning

• Review of basic estate planning documents, discussion of legacy desires and implementation strategies, charitable giving and gifting strategies.
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  Employer Provided Retirement Plans

• Identify the right retirement plan for your business and retirement goals, assist in the evaluation and retention of a third party plan administrator, recommend best practices and develop an Investment Policy Statement, evaluate investment options, provide on-going employee investment education, provide annual investment review.