Financial Planning Solutions

Defining Goals – At the Center of all our Solutions!

For some clients, objectives are clear; others need assistance in clarifying and defining their financial and life goals. Listening carefully to client concerns and developing a clear, mutually agreed-upon description of client objectives and needs are at the center of all of our solutions:

INVESTMENT PLANNING SOLUTIONS

  • Analysis of current portfolios; developing investment allocations consistent with proper diversification, client objectives and client risk tolerance levels

CASH-FLOW PLANNING SOLUTIONS

  • Analysis of spending needs; development of debt-reduction strategies; determining how much clients need to save in order to meet future goals
  • Retirement income needs analysis
  • Retirement spending strategies
  • Evaluating mortgage options

RISK MANAGEMENT SOLUTIONS

  • Reviewing life, disability, and long-term care insurance needs
  • Planning for household/small business risk management

RETIREMENT PLANNING SOLUTIONS

  • 401(k)/403(b)/IRA investment and rollover strategies; lump-sum distribution planning
  • Developing retirement cash flow projections; helping clients understand the viability of their specific retirement goals

EDUCATION PLANNING SOLUTIONS

  • Understanding options for college funding; identifying plans consistent with client goals and timelines
  • College savings investment plans

BUSINESS PLANNING SOLUTIONS

  • Help creating and starting an employer-sponsored retirement plan
  • Strategies to improve costs and overall plan administration efficiencies
  • Improve benefits utilization and integration
  • Employee level education, advice, and functionality

CHARITABLE GIVING PLANNING SOLUTIONS

  • Understanding giving options, including charitable gift annuities, charitable trusts, and donor-advised funds
  • Developing giving strategies to minimize current and future tax liabilities

LEGACY & ESTATE PLANNING SOLUTIONS

  • Ensuring estate plans are consistent with client objectives
  • Assisting in identifying the data needed for proper estate planning; ensuring that needed documents are in place and properly updated

TAX PLANNING SOLUTIONS

  • Avoiding the payment of unnecessary income tax
  • Developing plans for all of the above services in a manner that reduces overall tax liabilities

Clients may engage us for advice regarding a single financial concern, for the development of an integrated and comprehensive financial plan, or for anything in between. The maintenance of lifelong financial health involves recognizing that needs, circumstances, tax laws, and financial options can and will change over time. Financial planning is a process – not a one-time event. As needs change, we can provide personal, cost-effective guidance to help update your plans accordingly.

For people who are busy with their work and family lives, the maze of financial decisions and plans that must be made can be exhausting and frustrating. Our mission is to provide our clients with capable, professional support for their financial lives.

Not every client needs the extensive financial or retirement planning services provided by a CERTIFIED FINANCIAL PLANNER ™, but together we'll identify the issues which may need to be addressed in order to achieve your retirement and financial goals. We'll then determine the planning services appropriate for your unique situation. Please note that our financial planning solutions, though related, are separate from our investment management solutions. However, fee discounts may be available to our investment management clients.

To schedule an initial financial planning or retirement planning consultation contact us.