What we offer

At The Financial Advisors, LLC, we believe financial planning is fundamental to achieving your life’s goals. We define Financial Planning as the ongoing, integrated and comprehensive management of your financial life. Be it your investment portfolio, your day-to-day cash flow requirements, your long-term strategy for financial independence or the estate plan for the continued comfort of your family after your death. The Financial Advisors emphasis on big-picture thinking allows you to have the confidence that all of the pieces are designed to fall into place. Our services will address, but are not limited to, the following questions.

Cash Flow

Understanding the components of a family’s cash flow is a critical initial step in financial planning. A discussion of cash flow planning will answer the following questions:

  • Am I saving enough?
  • How can I get a handle on what I am spending?
  • What level of cash reserves should I maintain?
  • Which retirement income sources should I use first (and in what amounts)?
Michael P. Kumph

Investments

Managing investments for long-term return and risk control is the best way to accomplish lifetime financial goals. Investment planning will take a comprehensive approach to answering the following questions:

  • What should I be doing now to lower my taxes both this year and in the future?
  • How can I best take advantage of changes in tax laws as they occur? 
  • Should I be sheltering more (or less) income and deferring its taxation to later years?
  • How can I lower my taxes through more effective use of my small business?
  • How should I structure my portfolio to maximize my (after-tax) investment returns?
  • Which investments are best held in my after-tax (versus deferred or sheltered) accounts?
  • What strategies can help me reduce the taxes on my appreciated real estate holdings?

Retirement

Planning for a secure financial life after a long career is the heart of a financial plan. Retirement planning should answer the following questions:

  • When will I be able to retire and how much money will I need?
  • How do I plan for my children’s educational expenses while saving for my retirement?
  • What are my most likely retirement scenarios and how do they compare?
  • Would a special package from my employer make it possible to retire early?
  • How much income can I take from my portfolio without having to worry about running out of money?
  • What would be the impact of working longer or working during retirement?
  • How would a possible career change affect my retirement plans?
Dianne Brand

Real Estate

A considered approach to the acquisition and financing of real estate is an essential part of a financial plan. Just a few of the questions we’ll consider together while we strategize:

  • How do I arrange my estate plan to leave a legacy that reflects my values and priorities?
  • How do I treat my children fairly even though they have different needs and situations?
  • Will my estate plan minimize costs and taxes as well as complications for my heirs?
  • What type of will and/or trusts will best achieve my priorities?
  • Should I consider establishing a revocable living trust?
  • Are my beneficiary designations current, consistent and indicative of my priorities?
  • How can I best benefit the charities and other organizations I wish to support?
Richard L. Sumberg

Tax Planning Management

Tax planning endeavors to minimize the burden of all taxes on a family’s income and wealth. Tax planning will answer the following questions:

  • What should I be doing now to lower my taxes both this year and in the future?
  • How can I best take advantage of changes in tax laws as they occur? 
  • Should I be sheltering more (or less) income and deferring its taxation to later years?
  • How can I lower my taxes through more effective use of my small business?
  • How should I structure my portfolio to maximize my (after-tax) investment returns?
  • Which investments are best held in my after-tax (versus deferred or sheltered) accounts?
  • What strategies can help me reduce the taxes on my appreciated real estate holdings?

Wealth Transfer & Estate Planning

Every family should have an estate plan to provide for the preservation and control of assets during life and the efficient distribution to heirs. An estate plan is more than having a will. A good plan will address hundreds of potential issues including:

  • How much risk am I taking now and how much do I need to take?
  • Is my current portfolio designed to help me achieve my desired goals?
  • What asset allocation is appropriate for me given my goals, situation, and risk tolerance?
  • Are the right investments in my portfolio?
  • How do I incorporate my 401(k) or 403(b) plan into my overall portfolio design?
  • How do I incorporate a large position in my employer?s stock into my portfolio?
  • How do I monitor and evaluate portfolio performance in various economic conditions? 
Ngoc Nguyen Cormier

Asset Protection

Financial security depends on good management of insurance products to effectively minimize and manage financial risks; covering the “what-ifs” in life. A discussion of insurance and asset protection will address the following questions:

  • What type of personal liability insurance should I carry?
  • Do I have the appropriate levels of automobile and homeowners coverage?
  • How much and what type of life and disability insurance should I have (if any?)
  • Do I need long-term care insurance?  If so, how much and what type of policy?
  • Should I consider using trusts designed to protect some of my assets?

Education

Education is a major investment for most families and a comprehensive plan to manage the expense of a great education is an important component of financial planning.

  • How will we pay for the education of our children?
  • What is a reasonable savings plan for college education?
  • How should our education savings be invested?
  • Will we qualify for scholarships or financial aid?
  • How can 529 plans help to finance college?

Schedule A No Cost, No Obligation

Initial Consultation

We never sell, rent, or share your information with anyone. Period.