Financial Planning

My Financial Planning and Financial Advising process of determining whether and how you can meet life goals through the proper management of financial resources. 

 

Financial Statement Preparation

Budget

 

a statement that estimates your financial resources and expenditures for a given period

Cash Flow Statement

 

a statement that summarizes your cash inflows and outflows for a given period 

 

Net Worth Statement

 

a statement of your assets and liabilities

Strategies and Techniques

 

optimize your short- and mid-term cash flow, assets, and liabilities

 

Insurance Planning & Risk Management 

Insurance Needs Analysis

 

including disability, life, health, long-term care, property, and liability

Choose A Strategy

 

utilize some or all of the four primary risk management techniques available to you

Explain Factors That Affect Premiums

 

recommend appropriate methods for reducing your household insurance costs

Identify Strategies And Techniques 

 

manage financial exposure due to personal risk 

We Don't Sell Insurance

We work with Insurance professionals who use Low Load Insurance and Annuities, which saves our clients in internal fees

Employee Benefits Planning

Maximize Your retirement Plan

 

We help you understand and develop strategies to maximize your employer provided plan

Health Insurance Options

 

Understand all the costs and benefits associated with the different types of plans

 

Employee Assistance Plans

 

weigh the benefits of what you have and Potential utilization

 

FSA And HSA Plans

 

We walk through the potential options and benefits

employee stock option plan

 

We help you optimize and understand your options

 
 

Investment Planning

Investment Plan

 

We develop a plan that is best for you and your needs, which addresses the following questions: 

What are your goals?

When do you need to reach those goals?

How much do you need to invest now or incrementally, as time goes by?

What is your investment style preference?

How Much risk are you comfortable taking?

How often do you want to adjust your plan?

Income Tax Planning

Family Net Worth

 

We implement strategies and techniques to maximize present value of after-tax net worth

 

Minimize Tax Liability And Maximize After-Tax Returns

 

We recommend actions for you and your dependents consistent with IRS Code with a tax conscious decisions

CPA And Tax Attorney

 

We work closely with your CPA, or tax attorney, to identify and structure transactions that will minimize you and your tax burden across your life cycle

 

Education Planning

Private School And College

 

We identify strategies and techniques to pay for Private School and College

Affordable Options

 

We create a plan of affordable options for College

Save And Invest For Education

 

We develop strategies to best save and invest for education

Scholarships + Assistance And Loans

 

We walk through various options for scholarships, assistance, and loans

 
 

Retirement Planning

Retirement Income Planning

 

We develop strategies to coordinate income and make that retirement income last

Estate Plan

 

We make sure your estate plan is able to implement your wishes

Health Care Needs

 

We consider and prepare for health care needs and costs

Early Retirement

 

We explore opportunities for potentially early retirement

Charitable Giving

 

We consider opportunities to donate to charities

Tax Efficiency

 

We develop tax efficient strategies so you make the most out of retirement

Social Security And Medicare

 

We help understand and choose your best strategies for Social Security and Medicare

 

Estate Planning

Preservation And Distribution

 

We implement strategies and techniques for preservation and distribution of accumulated assets

Beneficiary Designation

 

We properly designate beneficiaries on all of your accounts so that your money goes where it is supposed to

Coordinate With Attorney

 

We coordinate with your current attorney or direct you to one you are comfortable with to implement critical documents such as:

 

Estate Planning Documents

 

Last Will and Testament

Durable Power of Attorney

Health Care Proxy

Living Will