Goal Setting & Financial Planning

You will be guided in setting attainable goals for the near term and for the future...and in finding strategies to help balance what can seem to be conflicting goals.

Risk Management

All of your insurance needs will be reviewed, and you will be advised of the insurance you need to be adequately protected. Advice will be given on possible savings by reducing elaborate coverage you may not need.

Special Needs Planning

In addition to the areas mentioned here, special needs such as education planning, budgeting, debt reduction, home purchase analysis, charitable giving, and qualified plan rollovers are addressed. Also, careful planning can ease such life transitions as the death of a spouse, divorce, second marriage, early retirement, and starting a small business.

Estate Planning

How do you want your loved ones cared for and your assets divided? The focus is on reducing estate taxes and probate costs while ensuring your wishes will be carried out.

Tax Planning

If you choose an ongoing retainer relationship, your personal income tax return will be prepared and you will be provided with professional advice year-round. By teaching you how to reduce your taxes, tax savings can often offset your annual fee. Tax planning strategies are incorporated into all our advice.

Portfolio Analysis

Are your present investments appropriate for your risk tolerance? Tax bracket? Long term goals? Your retirement accounts as well as your other investments will be analyzed.

Asset Allocation

A personalized asset allocation plan will be developed based on your needs and objectives. You will learn how to balance your investments to hedge against inflation and unpredictable economic and market cycles. Diversification appropriate to your investment horizon can enable you to reduce portfolio risk while enhancing returns.

Retirement Planning

When do you wish to retire? How much do you need to save to meet your goals? Your goals, present savings, and many other factors will be analyzed and a realistic projection will be developed. You will learn how to adjust your savings and spending now to make your retirement goals attainable.