Understanding Your Personal and Financial Circumstances
We’ll truly get to know you and understand where you are coming from before creating a plan.
Identifying and Selecting Your Goals
We’ll work with you to pinpoint your financial and personal goals.
Analyzing Your Current Course and Potential Alternative Courses of Action
We’ll see what’s working, what’s not, and what could be working better.
Developing Your Personalized Financial Planning Recommendations
We’ll provide expert advice tailored to your unique situation.
Presenting Your Personalized Financial Planning Recommendations
We’ll lay out the best options for you and provide a plan to help you get started.
Implementing Your Personalized Financial Planning Recommendations
We’ll work with you to make sure all of the elements of your plan are put in place.
Monitoring Progress and Updating Your Plan
We’ll help you stay on track and make changes when necessary.
Financial Management
Cash flow, budgeting, and debt management make up the foundation for a healthy financial future. In order to build wealth, it's crucial to first have a handle on day-to-day expenses, and a realistic plan for how they intersect with long-term goals.
Retirement Planning
Retirement is simply not the same as it used to be. Much of the responsibility for planning for retirement is now on individuals and families, rather than employers. Many people now spend years in a state of "semi-retirement" where they remain active in their work, but not in a full-time capacity.
With so many options, it's important to have a thoughtful retirement plan that is based on your own unique situation, and also accounts for new ways of working.
Investment Planning
Investment planning helps you maximize your money by investing it wisely, once all of the other financial building blocks are in place. Our investment services typically use ETFs/index funds to provide low-cost exposure for broad diversification. We layer particular index funds, designed to achieve specific goals, on top of core allocations.
We also have the ability to include ESG (environmental, social and corporate governance) funds for clients seeking a socially conscious element in their investment portfolio. These are tailored in allocation, modified to your specific risk tolerance, and tied into your overall financial plan. We'll work together to continue to augment your portfolio based on your goals over time.
Education Planning
Education costs are rising—but having a plan in place can alleviate some of the anxiety that comes with planning to pay for college. There are many ways to make these costs more manageable, and different options for saving for education over time.
A comprehensive financial plan takes present and future educational costs into account, while balancing them with retirement and other financial goals.
Estate Planning
Estate planning is not just about distributing assets, it’s about making sure your loved ones are cared for after your death. Estate planning involves managing, administering, and distributing financial assets and making sure your will and other legal documents are current, so that you and your loved ones can have peace of mind.
Insurance Planning
Along with financial management, a sound financial plan involves having the right protections in place for unexpected emergencies. This means looking at insurance as part of your overall financial picture, evaluating potential risks, and determining the appropriate coverage you need in place to ensure financial well-being—even in worst-case scenarios.
Tax Planning
Most financial decisions have tax implications, so it’s important to consider tax planning as an ongoing part of a comprehensive financial planning process. Tax laws are complex and frequently change, but incorporating taxes as part of the financial planning processes can help you more effectively plan for the future.