We know from experience that careful planning can ease retirement worry by identifying potential issues before they arise and preparing contingency plans for when they do. We work with you to develop a predictable, sustainable, and growing income stream for maintaining your lifestyle; tax-management strategies to help keep more of what you’ve earned: and a coordinated investment strategy to fund your goals and objectives while minimizing risk.
Cash Flow Planning
We’ll look at what you have coming in now, what you expect in the future, and considerations regarding your pay, pension, Social Security, and other income sources. Then, we will examine what is going out and divide your expenses into “Needs” and “Wants.” You’ll gain a deeper understanding of how cash flow affects your financial future.
The role of savings and investments is to get you where you want to go. Our job is to select the most appropriate combination of investment vehicles to take you to your destination as safely and efficiently as possible. Successful, long-term investing is about matching your objectives and timeframes with the right mix of stocks, bonds, and cash, reducing risk by not putting all your eggs in one basket, researching and choosing quality investments in each category, and monitoring and periodically adjusting your mix.
Our knowledge of the tax code can save or enhance a family’s net worth by thousands, or even hundreds of thousands of dollars over a lifetime. The best part is that tax savings are measurable enhancements that have nothing to do with the stock market, interest rates, or the economy. There are a multitude of techniques at our fingertips to help you keep more of what you’ve earned.
Insurance Analysis and Consulting
Insurance is used to provide a shield or fill a financial hole created by unanticipated (or sometimes, anticipated) events or misfortune. As your guides, our job is to help you identify and quantify the risks that present a threat to your financial security. If insurance is warranted, we’ll help you choose the right type and amount, so you’re not wasting money on coverage you don’t need or will likely never use.
Estate Planning Guidance
The goal of estate planning is to make sure what you have accumulated throughout your lifetime passes efficiently to whomever and however you want. There are a variety of techniques designed to protect your assets today and help ensure that your intended heirs receive the most from your estate with the least hassle, confusion, or misunderstanding. We’ll talk through strategies to help reduce taxes and protect your legacy.