Effective financial planning

The world has changed dramatically. Today, we can expect to live 20 to 30 years after retirement, and the importance and cost of a good education has never been greater.

Plus, more than ever, individuals are responsible for their financial security, and a poorly planned estate can lose 40% or more of its value to taxes.

The cost of ignorance has never been higher. The need for a personalized relationship with an experienced financial advisor is critical. We’re here to help.

Personal attention, intelligent questions.
Planning for the future doesn’t just involve a calculator or spreadsheet. It involves introspection, insight, and attention to personal detail that can only be shared in a relationship of trust.

Before finding the correct answers, it calls for asking the right questions. It requires time. It requires attention. And it requires care. You have come to the right place.

How it works
We start with a complimentary consultation, then we build from there, with the following steps…

Step 1: Gathering Data
We start by determining where you are. We’ll help you gather and analyze your current cash flow, assets, liabilities, and insurance coverage.

You can start by downloading our confidential financial planning questionnaire before our first meeting. Please fill it out and fax or mail it back to us.

Step 2: Setting Goals
Where do you want to go? What are your long- and short-term goals? Let’s talk about what you want to accomplish and why it’s important to you. We’ll then work together to define your objectives, including specific time frames, your tolerance for risk, and capital requirements.

Step 3: Mapping out a Strategy
We’ll then create a specific, personalized strategy for your situation. We’ll include recommendations for liquid assets, emergency funds, insurance coverage, and risk management. We’ll also recommend appropriate levels of spending, investing, and portfolio allocation. We may even have suggestions you can take to your own lawyer or accountant.

Step 4: Implementation
After we agree on our strategy, we’ll help you effectively implement it.

Some strategies may require the assistance of a lawyer, accountant, or another professional, and we’ll refer you to those we work with, or happily work with your own trusted advisors. If you choose to utilize our asset management services, we will handle all the minute details of account set-up, asset transfers, investment policy design, and portfolio allocations. As your fiduciary, we will serve your interests, and do everything in our power to maximize your sense of trust and comfort.

Step 5: Periodic Review & Revision
Marriage, divorce, children and grandchildren, career changes, retirement, and death – these are all areas that can impact your financial needs and choices. Solid, caring financial advice can make anticipating and adjusting to these changes much easier, because the most successful planning involves on-going review and periodic adjustments. We’ll meet regularly to adjust your goals and monitor your progress.