about-content-imgFinancial Planning.
What is Financial Planning?
Financial planning is a collaborative process of examining an individual’s present financial situation, defining their life and financial goals, and implementing a plan that maximizes the chances that the individual achieves those goals.
How do we view Financial Planning?
To us, financial planning is a means to help alleviate the stress and worry that comes from the uncertainty of financial decisions that our clients are forced to make everyday. It’s taking big goals like retiring “early”, buying a home and taking that dream vacation, and thoughtfully planning out the small steps that will help put you on the trajectory to achieve those goals.
How Do We Help?
We approach financial planning with a comprehensive discovery and analysis process followed by strategy implementation and regular strategy monitoring. Our methods are based on procedures set by the Certified Financial Planning Board as the most effective way to achieve financial goals. Personal financial planning involves evaluating income, expenses, assets, liabilities, and other relevant factors to create a roadmap for financial success. We break it down by evaluating these core components:
Overwhelm with ValueCash Flow Management.
Money comes in, money goes out. Where do you save and how can you save more of it? All financial planning starts with cash flow management. We’ll examine how much you’re spending vs saving, your emergency cash plan, your retirement account contributions, how much debt you should be paying down, and more. All of this is done to send you on a trajectory towards financial success, whatever that may mean for you.
InvestingInvesting.
Our approach to investing emphasizes diversified, low-cost, tax-efficient securities that aim to achieve a return necessary to the success of your broader financial goals. More about our investment approach can be found in our investment section.
InsuranceInsurance.
Our trusted insurance partners help you insure all aspect of your finances so you can live comfortably knowing that if the worst-case scenario happens you’ll be okay.
We receive no compensation from our insurance partners for your referral. Our relationship is built on us putting your interests first so you buy insurance only when you need it.
Tax PlanningTax Planning.
What is the single greatest expense of your life? You guessed it, for most people, it’s how much they pay in taxes. Effective tax planning can be the difference between dreams imagined and dreams realized.
We help clients devise ways to save on taxes without compromising their goals.
Tax planning comes in many different forms. Whether that’s dealing with employer retirement accounts, contributing to a Roth, navigating capital gains, or any number of situations that require careful planning, we help you make the right decisions to minimize your tax bill now and in the future.
RetirementRetirement
Planning.
Our retirement planning approach starts with understanding your current situation. We ask questions, we gather/compile data, and we seek to understand you and what you want from your money. We build out strategies and show you a plan. We simulate and project your retirement plan in different market environments and estimate the current chance of success. Finally, we adapt and adjust as life changes. Our financial plans are dynamic and always updating as your life changes. We represent how those changes affect your plan and provide you with the ability to make informed decisions for your future.
We help you answer questions like:
- How much do I need to save before I retire?
- When can I retire?
- Do I have enough to continue to be retired?
- How do I balance saving for retirement later while living it up now?
EducationEducation
Planning.
Rising tuition costs and the prevalence of student loans have put a financial and emotional burden on many Americans. We understand this and have experience in helping individuals and families navigate an effective pay-off plan.
EstateEstate Planning.
While we are not estate planning attorneys we help clients navigate these conversations and what to be on the lookout for. We also provide recommendations for specialists that can best meet your needs.
Too many advisers focus on only one part
of your financial picture.
Whether that be investment performance, insurance needs, or saving taxes…real financial planning is about looking at your entire financial picture and helping answer the questions you care about the most while not losing sight of all the variables that can affect your financial success.