WHAT WE DO

Planning

Why Plan?

You may have considered many times, “do we need professional help to create and maintain an effective plan so that we can sustain our way of life now and through retirement?” 

The answer to this question depends on your unique financial situation. We can help you assess the situation and determine the best, most cost-effective strategy to help answer life's financial questions. Getting financially organized and charting a path will provide the peace of mind to know you're doing the right things today for a secure tomorrow. In our experience, people find themselves better off after consulting a financial professional who has the knowledge and expertise needed to help them make well-informed financial decisions. 

Financial planning is a process that helps you "blueprint" your future. By having a comprehensive evaluation done of your current financial state, a financial plan helps you answer questions such as:

  • How much should I be saving in my retirement plan each year?

  • What is the best way to save for our kids’ college education and how will we fund it once the time comes?

  • I’m going to retire in the next few years, how do I know if I should be retiring? Is there a risk of running out of money in retirement? 

  • How can I structure my retirement income in the most tax advantaged way? 

  • I’d like to pass on the majority of my assets to my family or to a charitable organization, what’s the best way to structure my estate?

  • We’re not sure how much we’re spending each month but would like to put a budget into place and pay off our debt as soon as possible? How should we solve for this issue? 

  • My family relies so heavily on my income, what happens if I become disabled or pass away prematurely? Will my family be able to make ends meet? 

  • We’re not sure if our investments are properly allocated, how do I know the types of risks that we’re exposed to? What if we experience another recession? We don’t want to experience another 2008-2009. 

  • I’m going to need to take income from my 401K soon, how can I do this in the most efficient way? I don’t want to spend it down too quickly. 

  • We seem to be paying a substantial tax bill each year due to our mutual funds even though we haven’t sold anything or taken any income from them? Is there a more tax-efficient way to invest?