Personalized Financial Planning.
Our comprehensive financial planning service provides ongoing financial guidance that joins with fulfilling your objectives through aligned portfolio management.
We’ll look at where you are today in relation to your financial goals and provide ongoing recommendations to put you in the best position to reach them. Along the way, we’ll hold you accountable in accomplishing what you need to do in order to continually improve your financial situation.
We utilize well-known and efficient technology to build and monitor your personalized financial plan and investment portfolio with collaborative on-demand access, so you can see how you’re progressing along the way.
We work with clients exclusively on an ongoing basis and do not offer hourly or project-based services.
After your initial plan is built, we work together on maintenance throughout the year, including comprehensive review meetings, portfolio updates, and year end tax-planning, all tailored to your preference and availability. The real progress happens in between!
Financial Planning Topics:
Retirement Planning
You work hard, and you deserve financial independence. If you’re close to or currently in retirement, we help you create a sustainable withdrawal strategy to last your lifetime. If retirement is still a ways off, we help you chart a savings plan in a tax-efficient way to put you in position to make your retirement decisions confidently in the future.
Cash-flow & Budgeting
We’ll help you maximize your savings potential by taking a look at your income, expenses, retirement contributions, and debt pay-down rates. We’ll help you balance how you spend and save cash today vs. in the future so you can achieve the goals that complement the long-term plan.
Goals-Based Planning
We will help you identify and articulate your financial goals. These may include things like buying a home, starting a family, investing real estate, retiring early, etc. We make sure these important objectives are top-of-mind with every financial decision you make.
Investment Management
We’ll review your current investment portfolio and build a customized allocation designed to reach your financial goals. Working with our team we will build your portfolio with all aspects of your financial plan in mind using tax-efficient investments to maximize your returns.
Tax Planning
Our advice may include ways to minimize your current and future taxes. Within your investment portfolio, we will tax-loss harvest on an ongoing basis and position tax-efficient assets in your taxable accounts and less tax-efficient assets in your tax-free and tax-deferred accounts to lower ongoing taxes. We will also review your tax return each year for accuracy and tax-savings opportunities.
Employee Benefits
When you have windows to adjust your benefits at work, we will help to ensure you are optimizing your health insurance, life and disability plans, stock purchase plans, equity/deferred compensation, etc.
Insurance
We’ll review your existing insurance policies including health, life, disability, umbrella, long-term care, property & casualty, etc. to ensure your coverages are adequate and cost-efficient. If additional or updated policies are recommended, we will work with insurance brokers to put the policies in place.
College Planning
We’ll estimate the cost of college education and design a plan around how much to save in order to meet your college funding goals. This may involve opening 529 or other college savings plans to build tax-free education savings.
Estate Planning
Together, we’ll review your current estate plan including documents such as your will, power(s) of attorney, trust documents, beneficiary designations, etc. We may recommend a qualified attorney in order to draft or update your estate planning documents or provide other specialized advice.
Professional Introductions
As a fiduciary, it is our obligation to inform you when our knowledge tops out and together seek specialized advice from other professionals. We may introduce you to trusted, specialized experts in our network such as attorneys, CPAs, and realtors.
