Financial Planning

Financial planning is the process of organizing your financial resources to accomplish your life’s goals. To paraphrase Alice in Wonderland, “If you don’t know where you’re going, any road will do.” We believe everyone needs a comprehensive financial plan to act as a roadmap for where they want to go.

Whether your goal is to enjoy a successful retirement, or you’re facing a financial challenge due to death, divorce, a family illness, downsizing or disenchantment with your current Advisor, we can help.

All plans are created in house by either Tim or Bryan, both of whom have 25 years’ experience each. Plans may consist of any of the following six areas, depending upon each client’s individual needs.

Current & Projected Cash Flow Analysis

Matching income and expenses, as well as uncovering potential opportunities, taking into account inflation, medical expenses, debt reduction, and numerous other factors.

Personal Net Worth Analysis

A review of what you own (equity) and what you owe (debt). Many clients are surprised when they see these figures in black and white for the first time. The objective is to build your Net Worth, by increasing your equity and reducing debt, until you meet your ultimate retirement goal.

Income Tax Analysis & planning

A thorough review of your tax situation often reveals ways to increase both your cash flow and net worth above, by taking funds that would normally go towards taxes (without planning), and finding ways to legally reposition them. We seek to make your money work harder for you. Remember, it’s not what you earn, but what you keep that counts.

Education Planning

We help you calculate how much you’ll need to save, and the appropriate ways to do it.

Retirement Planning

Project how much of a nest egg you’ll need in retirement, based on your current age, financial condition, spending habits, taxes, inflation, planned future purchases and unexpected events.

Insurance Needs Analysis

We help make plans to replace your primary source of income, both now and after retiring, so you can maintain your current lifestyle in the event of death, disability or long-term care.

Estate Planning

Don’t let Uncle Sam become your largest heir. Leave what you want, to whom you want, when you want, with the goal of maximizing the transfer of your wealth and control while minimizing taxes.