Comprehensive Financial Planning
Comprehensive financial planning is fundamental to achieving your life’s goals. We define financial planning as the integrated management of your financial life. Analyzing each component piece is essential, but it is more important to fit them together in the context of your overall plan. With your input, we build your plan, guide you through its implementation, and provide ongoing guidance and service.
Throughout the course of our client relationships, we offer a third-party perspective to help avoid emotionally-driven decisions.
● How can I better understand my spending?
● How can I simplify the cash flow budgeting process?
● How can I save enough for the future while enjoying life today?
● What strategies should I consider for spending down assets and turning on fixed income sources, such as Social Security?
● How will my investment decisions today impact me in the future?
● How do I monitor and evaluate portfolio performance in the context of my financial plan?
● How might employer plan investment options impact investment selection in other accounts?
● Which investment risks pose the greatest threat and how can I best plan to mitigate them?
● How do I unite all of my accounts into one, holistic asset allocation strategy?
● How do I know if I’m saving enough for the future?
● What will I do after a lifetime of working?
● What impact would a reduction in my work pace have on my retirement?
● How can I best manage my concern about running out of money?
● How do my retirement income expectations impact my portfolio design?
● What role does my home, as an asset, play in my overall financial plan?
● What strategies can help me reduce my taxes on appreciated real estate?
● How might my retirement be affected by the purchase of a second home?
● How can I defer tax to the future or reduce my lifetime tax liability?
● What are the pros and cons of paying tax now versus in the future?
● How can I structure my portfolio to maximize my after-tax investment returns?
● What are the tax considerations with respect to employer stock and option plans?
● Do recent tax law changes impact how I should structure my charitable giving?
● Can my financial planner help me with both tax preparation and future tax planning?
● Are there strategies to minimize my estate taxes and income taxes for my heirs?
● How can I plan my estate to leave a legacy reflective of my values and priorities?
● Are my estate planning documents and beneficiary designations current?
● How might I benefit the charities and other organizations I wish to support?
● Will my estate plan minimize costs and complications for my heirs?
● Does my occupation impact asset planning considerations?
● Am I carrying an appropriate level of liability coverage given my financial picture?
● Do I have the appropriate levels of automobile and homeowners coverage?
● Should I consider using trusts to protect some of my assets?
● How much and what type of life and disability insurance should I have (if any)?
● How do I balance saving for education along with saving for additional future goals?
● What are the best savings options for future education costs?
● How can I use savings, cash flow, and financing to pay for education costs due now?
● Is a 529 plan the right fit or are there other options to consider?