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 A customized, personal financial and estate plan provides a comprehensive solution that can enable you to achieve your financial goals. The major areas addressed in your financial plan and implementation are outlined here.
Investment Analysis
Earning a rate of return in excess of inflation on your investments is usually a critical factor in your ability to reach your future financial goals. We start with an analysis of your unique circumstances, goals and objectives and then work with you to develop an appropriate investment strategy.
Retirement Planning
We help you look toward the future and plan intelligently for lifestyle changes that usually accompany retirement years. By helping you identify the retirement lifestyle you want and by providing realistic financial projections, we determine together a strategy for achieving your definition of success.
Estate Planning
If you own assets, you have an estate. You work your entire life to accumulate your wealth, and you want to be sure it goes to the people or organizations you care most about. Using up-to-date estate planning techniques, we evaluate how current tax law may affect your accumulated assets and work with you and your attorney to structure an appropriate estate plan to ensure your assets are distributed according to your wishes.
Family Wealth Management
We help you follow through with your planning by working with experienced attorneys and other professionals to develop appropriate documents to implement all parts of your financial and estate plans. Additionally, we will meet with you and your family to help you establish a framework for your heirs to understand your goals and your wishes for the wealth you are passing on.
Tax Review
There is no effective substitute for advance planning to manage the tax liability you face each year. We evaluate your returns, current circumstances, and long-term objectives to determine the most effective tax planning strategies.
Education Planning
For many, the single largest drain on resources after buying a home and retirement is educational expenses. If your goals include funding one or more college educations, we will review cost projections and propose funding alternatives.
Insurance Review
Protection against catastrophic events is integral to long-term planning. We review your current insurance coverage and identify appropriate types and amounts of coverage for your situation. We look at all types of risk exposure including life, health, disability, property and liability, and long-term care; how they relate to each other; and what is suitable to your overall financial situation. Since we don't sell insurance or receive commissions from recommending insurance products, you are assured of receiving independent advice with your best interests in mind.
Cash Management
Long-term control of your overall budget is a critical element in the lifelong campaign for to meet your income needs and accumulate wealth. We analyze your current income and expenses and assist with implementing a cash management plan designed to help you to reach your immediate and long-term goals.
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