Financial Planning

Live Your Life by Design, Not by Default

Our team of financial planning professionals will design a plan that evaluates your current situation by analyzing your assets, income and expenditures to identify:

  • The day-to-day: What assets do you need today?
  • The big picture: What can you do to pursue your financial goals?

We provide regular reviews and modifications, ensuring that your financial plan stays current and dynamic.

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Find Your Definition of True Wealth

Everyone has their own definition of true wealth. For some, it’s that family vacation you’ve always dreamed of. For others, it’s not running out of money in retirement. We help you pinpoint your definition of true wealth, then help you build the legacy you’ve dreamed of. 

Selecting the right financial advisor is an important step in your pursuit of true wealth. We build a customized plan for whatever your needs, including individual financial planning and business financial planning.

Financial Planning

For Individuals

We provide you with a wide variety of investment options that align with your goals. We always act in your best interests, which means your goals drive your investments – and not the other way around. We look at financial planning from four angles:

See what quarterly planning assistance services we offer!
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Assessment

We will help you bring your risk, current financial situation and spending into focus.

Personalized Cash-Flow Based Planning

Narrowly tailored to identify and address your specific goals and objectives.

Social Security Analysis

In-depth analysis of available Social Security claiming options.

Risk Management Planning

Comprehensive analysis of life, disability, long-term care and other risk management solutions.

Financial Planning

For Businesses

Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? Our financial planners can help you answer these questions, with a focus on four areas of business financial planning.

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Individual Planning

Your business is part of your individual financial plan – and a key asset in your life.

Business Valuation

Determine an accurate valuation of your business to incorporate into your personalized financial plan.

Tax Efficiency

We help you make tax efficient decisions today rather than when it comes time to file.

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Succession Planning

Understanding what happens to your business when you’re gone is vital to financial planning.

Financial Planning

For Businesses

Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? Our financial planners can help you answer these questions, with a focus on four areas of business financial planning.

What do we help you with?

Cash Flow & Budget Analysis

We review your income and help set goals that align your income with your needs. The amount of money set aside for future goals is the only thing investors fully control. The markets may be volatile and various investments may not perform as expected. However, the decision to contribute more money to your 401(k) instead of spending it elsewhere is up to you and will often determine when/if you will reach your financial goals. We also review your expenses and can help create a budget. Moreover, we provide advice on creating an Emergency Fund and offer information on dollar cost averaging, mortgage review and lines of credit.

Assistance to Loved Ones

We help our clients understand gifting strategies and how-to best care for their loved ones. Whether it’s your kids, grandkids or whoever else you’d like to help further their education, there are tax efficient strategies you can use to help as you work towards that goal. We provide advice on college planning, Roth IRAs for children, UGMA/UTMAs, and the establishment of Trusts. We also discuss how best to handle financial affairs and caregiving arrangements for your elderly loves ones.

Insurance Planning

Cash Flow Management

Understanding your cash flow is the cornerstone to financial planning. It determines how much cash you should have, as well as how much you can set aside for other goals. Predicting a fairly accurate cash flow is also what will ensure that you can afford to maintain your lifestyle in retirement, when a steady paycheck is no longer coming in.

Why Should I Hire a Financial Advisor?

I’m looking at my clients’ money profile and I see it: a retirement plan account opened through a robo platform. This fact is not surprising, I had previously discussed this with my client. They wanted to try something different and the investment costs were much lower starting out. In this case, the investments are passive, which I explained meant the investments seek to mimic an index and the only rebalancing expected might be once or twice a year.