Financial Planning

Plan your tomorrow, today.

Financial planning is the roadmap to a secure and fulfilling life, as you define it. We provide comprehensive planning: Not just for investments—but for everything from debt management to college funding to generating the retirement income you’ll need.

Comprehensive, Personalized Plans

Our planning process starts with getting to know you and your needs in depth and detail. Based on that information, we create a comprehensive set of recommendations that may include:

• Cash-flow optimization
• Retirement funding
• Social Security maximization
• Risk management
• Charitable giving
• Estate planning

Financial planning is an ongoing and dynamic process that includes ongoing implementation and continual monitoring, with course corrections as needed. And of course, we always listen closely to client feedback and stand ready to help you make informed decisions about major purchases and financial decisions.

Retirement Income Planning

We guide and support clients in building a plan for income distribution after retirement.

Retirement income planning involves working together to identify your retirement income needs, then creating two things:

• An in-retirement portfolio that, along with Social Security and any other income sources, provides steady income while allowing for needed growth.
• A spending strategy that can keep you from overspending—or living with unnecessary, fear-based frugality.

Estate Planning

Proper estate planning helps to ensure that your heirs receive the greatest amount of your wealth possible, in an easy and efficient manner. It often goes hand in hand with charitable giving.

We provide guidance for giving to the people and causes that are important to you in two ways: During your lifetime, and at the settlement of your estate.

Risk Management

Wealth takes a great deal of time and work to achieve, but it can be lost quickly. That’s why risk management is essential for those who wish to sustain their wealth and potentially pass it on to multiple generations.

We utilize Riskalyze to identify your acceptable levels of risk and reward. Together we can take the guesswork out of your financial future.

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The Financial Planning Process

CFP Board is a professional certification and standards-setting organization founded in 1985 to benefit the public by establishing and enforcing education, examination, experience and ethics requirements for CFP® professionals. Through its certification process, CFP Board established fundamental criteria necessary for competency in the financial planning profession.

1. Establishing and defining the relationship with a client
2. Gathering client data
3. Analyzing and evaluating the client's financial status
4. Developing and presenting financial planning recommendations
5. Implementing the financial planning recommendations
6. Monitoring