What We Do

Comprehensive Financial Planning

Systematic Approach to Navigate Financial Life

Comprehensive financial planning is a lot more than just saving and constantly seeking high-return investments. It’s a personalized road map that can help you align your financial life with your long-term goals and provide a sense of financial freedom.

In addition to just managing your investments, comprehensive planning also looks into several other aspects—from cash flow/budgeting to tax planning opportunities and risk-management needs.

It provides a balanced framework to think about your financial life as a whole and enables you to live with purpose.

Click the dropdown below to learn more about what our comprehensive financial planning services entail.

Cash Flow Review

We take a detailed approach to analyzing and projecting your near-term cash flow to help you plan your resources in the most efficient way possible. We’ve found that organizing your finances in this way can help you make informed decisions toward building a more stable future.

Review paystubs/income streams

Review current spending

Assess opportunities to organize income/spending

Develop projection for net discretionary cash flow availability in near term

Assess emergency funding needs

Organize banking structure

Analyze current debt (mortgages/credit cards/etc.)

Automate cash flow toward expenses and savings

Goals Review + Savings Needs

Reviewing your goals and aspirations regularly can help align your financial plan with your values, giving you the clarity and confidence to pursue your dreams with purpose.

Identify goals (short-term and long-term)

Assess periodic savings needs for the goals

Preparing for kids’ higher education is a priority for many clients.

Assess kids’ education savings need

Plan education funding with 529 plan/taxable accounts/Roth accounts

Tax Analysis & Planning

Sometimes you are so consumed with the thought of paying as little tax as possible now, with little consideration for future tax consequences. The goal of tax planning is NOT just minimizing taxes today; it is to minimize taxes during your lifetime. Proper tax planning requires a solid understanding of current tax rules and diligent analysis of your present and potential future scenarios. A proactive tax strategy can help you find and utilize all available deductions and credits, minimize lifetime tax liability, and keep more of what you earn.

Review annual tax return

Develop current-year tax projections

Look for tax-optimization opportunities

Tax-loss harvesting (even gains harvesting when appropriate)

Tax bracket management

Roth conversion analysis

Refer to and coordinate with a tax professional (CPA)

Investment Strategy & Management

Investment management services are important for individuals and families seeking to build and manage their wealth over time. When you work with us, you’ll get a disciplined approach to investing, and ongoing professional support providing valuable guidance. You will be able to build long-term wealth while pursuing your financial objectives, and create a lasting legacy for your loved ones.

Assess risk tolerance

Develop a cohesive investment strategy

Apply/adjust suitable asset allocation and asset location

Periodic rebalancing & monitoring of portfolio performance

Employee Benefits Review

Are you making the most of the employee benefits offered to you? They are critical to your retirement savings and current insurance needs. We will help keep you from missing out on any of the benefits to which you are entitled.

Review complete employer benefits package during open enrollment period

Review & help optimize contributions to employer-sponsored retirement plans (e.g., 401(k) , 403(b), etc.)

Analyze options for health savings accounts (HSAs) and/or flexible spending accounts

Review insurance coverage available for medical, disability, and life

Retirement Planning

How much should you be saving toward retirement? Which accounts should you utilize? When and how should you start drawing down your assets? These are questions we can help you answer with our retirement planning services.

Determine annual savings need for retiremen

tAssess traditional vs. Roth suitability for IRAs and 401(k)s

Explore “backdoor” and “mega backdoor” Roth option if viable

Assess order of accumulation to and/or distribution from retirement accounts

Analyze Social Security benefits and optimal time to claim

Plan the required minimum distributions (RMDs) from qualified accounts

Look for opportunities for Roth conversion

Insurance Planning

Comprehensive insurance planning can help shield you and your family from unexpected events (including illness, disability, and death) and provide for future financial stability.

Assess life insurance and disability coverage needs

Review home and auto insurance policies

Analyze long-term care insurance needs

Refer to and coordinate with insurance professionals as needed

Estate Planning

It is important to have all the proper legal documents in place so you can leave a lasting legacy that takes care of your loved ones according to your wishes.

Educate on various estate planning documents and their purpose

Wills, trusts, power of attorney, advanced medical directive, etc.

Guidance around assigning guardians, executors, potential trust provisions, etc.

Review existing documents if available

Refer to and coordinate with estate planning professionals

Ready to Take the First Step?

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