Financial Planning

Developing a personal financial plan is essential to identifying and reaching your long-term goals.  Regardless of your station in life, our advisors can asses your present situation and future goals.  We will then help you to build and execute a plan that charts a course on the right path.

Goal Based Planning

Are you trying to save for your kids college? Or maybe saving up to buy your dream home?  Regardless of your goals, having a personal financial plan helps you chart the course.  Our advisors are experienced in goal based planning and work with you to determine the best way for you to fund those goals.

Retirement Income Planning

Retirement tends to be the part of life that most people look toward after their working days are through. However, the face of retirement is changing. People are living longer and enjoying healthier and more active retirement years. This can make planning for a financially secure retirement more challenging. It will take greater resources to provide for this extended period of time.

This portion of your financial plan evaluates your sources of income after you retire. We can provide projections assuming retirement at different dates or ages. Obviously, the longer you work and the longer your funds can accumulate, the more income will be available.

The Retirement Income Analysis will include consideration of the timing and tax efficiency of distributions from your retirement assets. It will also assist you in understanding the alternatives available to you and the ramifications of elections to be made relative to your employee benefits and qualified plans.

We develop personalized you a personal plan reflecting your sources of income upon retirement, estimate income taxes on that amount, and compare the result to your after-tax retirement income goal, the amount you need to meet your expenses. To be realistic, your expenses will be inflated to reflect the effects of inflation on your purchasing power.

Estate Planning

Many of our clients plan to leave a substantial sum of their assets to their children.  Having an estate plan in place can help your heirs during a difficult time.  We  work with your CPA, attorney, insurance agents, and other professionals to help design a holistic estate plan that meets your needs.

 

We are experienced in building financial plans that range from a simple retirement income plan all the way to complex financial plans that involve extensive estate planning, asset protection, and asset preservation features.  Don’t hesitate to contact us today for a free one hour consultation to see if you could benefit from our services.

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