Financial Planning

Living by Design . . . We believe in crafting a financial life plan through an open, collaborative partnership, with regular updates to reflect life’s ever changing nature, provides a blueprint for living in alignment with one’s values and purpose.

Discovery and Planning Process

• Discover and help to prioritize your goals and aspirations.
• Identify life transitions that you are or expect to be experiencing.
• Gather and organize your financial data.
• Analyze your financial condition, challenges and opportunities.
• Develop a cash flow and investment strategy that attempts to balance your goals, tolerance for asset value fluctuations and risk capacity.
• Help you with the financial implications of life transitions.
• Provide written recommendations and alternatives to help pursue your life goals.
• Help to implement financial decisions.          

Clients using these services receive a written financial plan providing them with a financial blueprint designed to achieve their stated financial objectives and goals.  Financial plans may be comprehensive or may focus only on specific areas of concern to you.  In general, a financial plan may address any or all of the following areas of concern:

• Personal: family records, budgeting, personal liabilities, estate information, divorce planning, college planning and financial goal analysis.
• Tax & Cash Flow: analysis and planning focused on sources of income, spending and income tax implications for past, current and future years.
• Retirement: analysis of current strategies and investment plans to help you achieve your retirement goals.  This may include review of qualified and non-qualified retirement plans and strategies.
• Investments: analysis of investment alternatives, asset allocation strategies and their effects on your portfolio.
• Life Insurance:  analysis of current and future insurance needs.
• Death & Disability:  cash needs at death, income needs of surviving dependents, estate planning and disability income analysis.

Ongoing Financial Advice and Service

• Continue to help prioritize and implement your short- and long-term goals and aspirations.
• Review financial plan regularly.
• Meet regularly to review goals and progress.
• Asset management services provided per your request.
• Monitor life transitions that you are or expect to be experiencing.
• Update financial plan regularly as needed.
• Ongoing tax planning.
• Strategize/coordinate with other Advisors (accountants, attorneys, insurance agents, etc.).