Financial Planning

Proper planning and ongoing advice matter most to long-term financial success. A plan must help ensure financial security throughout your life, for you and for your loved ones. It must provide income replacement and asset protection in the event that the unthinkable were to happen: disability, critical illness or death. The plan must also aim to build the maximum it can via a solid, tax-efficient investment portfolio. With these goals in mind, we work together to assess your financial planning needs. 

Learn more about our process:

Our three step financial planning process: 

1. Upfront financial analysis - from piecemeal to coordinated

It all starts with a comprehensive review of your existing financial planning. We review your investments (company plans, old 401(k)s, IRAs, stock plans), insurances, estate, and income tax planning. We consider important milestones such as major purchases, marriage, children, education, retirement, your dreams and aspirations. The goal of a written financial plan is to provide a comprehensive and coordinated look at your planning. We want to feel confident your investments, insurances, estate, and tax planning are all working together properly. Our team of professionals help ensure your planning elements properly weave together.

2. Implementation

We know you live a busy life, so we want to help you implement your financial plan. This can mean reaching out to your accountant or attorney with our recommendations or finding you a new accountant or attorney. It can also mean prompting you to change your beneficiary designations, tweak your asset allocation in your 401(k), or consolidating your accounts for ease of management. We want to help you get your financial planning in place so you can focus on your life and career. 

3. On-going review

As much as your life changes, so do the tax laws, investment products, and financial planning strategies. Our on-going monitoring and review process helps keep your financial planning stays current. We update our clients' retirement cash flow projections yearly, review asset allocation and performance reporting regularly, and provide touch-bases via phone calls or emails to keep your financial planning on the cutting edge.