Planning Services

Initially, and periodically, we will review your life, long-term care, and disability insurance needs to confirm the coverage you have is adequate, affordable, and appropriate given your needs, goals, and insurable risks.

Our team helps plan out steps toward retirement ahead of time to make the transition from work as smooth as possible. Cash flow planning will help determine how much you will need every year to meet your needs and  reach your goals in retirement. This gives our clients peace of mind knowing they won’t outlive their money.

After defining your goals, we help you to prioritize them and understand how they will affect your current and future financial position. Knowing what trade offs there may be helps you set proper expectations of your financial future.

A detailed summary of your financial plan is provided at initial setup, and then updated at least annually with the current information and goals you have. These plans are living, breathing documents and will require ongoing maintenance to make sure you are on track for success.

After linking your bank account to our software, all of your transactions will be logged and automatically categorized for you. This will tell you exactly where your money is going, and how much you need to meet your needs. Then, you can customize your personal budget and monitor your progress over time.

We provide education on retirement and disability benefits options for your situation. Using our software, we will analyze multiple scenarios to provide an optimized age for you to file to maximize total lifetime payments from social security.

Together we will review all of your debts to determine an appropriate order and time frame in which to eliminate any high-interest debt you may have, on a schedule that works for you.

We review upcoming planned spending as well as unplanned emergency needs to determine the minimum amount of cash you should maintain. Additionally, if capitalizing on opportunities that arise is important, we will recommend any additional cash you should maintain. This minimizes the need to liquidate securities at inopportune times or resort to high interest revolving debt.

Create your own login and access your most up to date plan from home or on the go. Portal access also gives you an up to date net worth value by linking your investment accounts. In addition, you will get access to tools such as a human life value calculator, asset allocation breakdown of your  investment portfolio, and toggling between  different scenarios on your own.

We help you determine the cost of education and other needs for your children or grandchildren. Then, using tax advantaged accounts, we facilitate the process of saving and earmarking funds to meet those needs.

We provide a secure, portal for you to store all of your important financial documents such as your tax return, wills, trusts, and medical directives. For your convenience or in the event of an    emergency, you can access these documents any time, from anywhere in the world you can get a secure internet connection.

If applicable, we meet with you every fall to proactively plan for any year-end tax reduction strategies with the guidance of competent tax counsel. This allows you the maximum opportunity to take advantage of any applicable tax minimization strategies within your financial plan. If you do not have access to professional tax help, we can introduce you to someone we know and consider competent.

With the guidance of competent estate planning counsel, we review your estate plan to confirm that your plan will pass your assets to the next generation as efficiently as possible, while creating a legacy that unites, as opposed to dividing, your heirs. If you do not have access to professional estate counsel, we can introduce you to someone we know and consider competent.

For clients who want to give generously, we use strategies to help you pay less taxes, and help your benefactors receive more too.