We’ll take a look at your total financial picture, help you clarify your unique financial goals and build you a step-by-step financial strategy to help you find peace of mind.
A life well-lived begins with strategic financial planning. Your financial plan should reflect your life’s journey and set goals with timeframes that help you achieve lifelong financial independence.
Full Scope Planning
This is our most cost efficient option to generate a full plan. Under this engagement, we’ll help you to gather your data. Then, we’ll clarify your life and financial goals and develop a clearly written plan that is personalized to you. Before turning the plan over to you, we’ll review all our recommendations in detail.
Ad Hoc Planning
If you want a more limited scope option, then this might be right for you. Our Ad Hoc planning typically results in an open-ended meeting where you bring us your information and ask us various questions. We answer your questions as best as possible without doing any detailed analysis or reporting.
RETIREMENT & TAX PLANNING
Figuring out how to recreate your paycheck or sorting out how to develop a spending policy should not be an overwhelming exercise. Our team has the expertise to help with retirement portfolio tax strategies, withdrawal sourcing, social security maximization strategies, medicare decisions and more.
Taxes are the single biggest expense you’ll have over your lifetime. As tax laws are changed, the impact on your finances and investments could be substantial. We view tax planning as an important part of your financial plan and we offer an annual tax review program to determine what can be done to reduce future tax bills.
Your investment philosophy should be grounded in academic research and financial science. Our team will build you an investment portfolio that aims to give you the highest probability of achieving your goals with the least amount of risk.
How we do it
Find the right allocation between stocks and bonds.
Diversify among international and U.S. stocks.
Consider including small and value companies.
Monitoring & Adjusting
Keeping your investment plan on target may be the most challenging part. We'll take a systematic approach together to make sure you stay on track through the ups and downs of the market and the changes in your life.
How We Protect Your Plan
Rebalance your portfolio.
Keep emotions in check.
Provide discipline and guidance.
Retirement Plan Consulting
Since many of our clients own a practice or small business, we offer consulting on the design, installation and maintenance of certain retirement savings vehicles such as 401(k) plans, 403(b) plans and SEP IRAs.
Some of our clients engage us annually to review their practice’s financials - its Profit & Loss, Balance Sheet, and Cash Flow statement. When we work at this level, we can usually suggest a lot of operational improvements for the business, that, in turn, help your personal financial plan.