Financial Planning

Your life’s goals and dreams are your own, but the path to achieving them may need clarity, requiring a distinctive service that offers individual attention and personalized guidance. Tailoring financial strategies to fit your needs requires a depth of resources that as an experienced Financial Planner I can provide. I can help develop and implement a financial plan that will serve as a well-organized roadmap. And as your life changes, so will your plan. 

Through a collaborative relationship and a concise process, I can help you realize the full potential of your financial future by identifying and prioritizing your short- and long-term goals. This is a critical first step in helping you engineer a targeted plan that employs financial strategies customized to meet your needs.

It begins by taking a personal, in-depth look to understand your specific financial goals and help you define a clear plan for how to achieve them. Based on that understanding, I will help you:

  • Achieve a balance between your current lifestyle and future expectations.
  • Minimize tax impact on your portfolio.
  • Decide how to invest based on your goals and tolerance for risk.
  • Recommend solutions that help protect you and your family against the unexpected.
  • Actively plan for and save toward your desired retirement lifestyle in a balanced, disciplined approach.
  • Custom-design programs to help you achieve your special goals, such as buying a home, retiring early, paying for your child’s education, fulfilling your family legacy and philanthropic giving desires and more.

In developing your unique financial plan, we will focus on these six areas:

  1. Financial Position: A review of your financial position provides a better understanding of where you are right now. This financial picture will address your balance sheet, cash flow and debt management and if savings are balanced and appropriate for meeting your goals.
  2. Risk Management: Analyze your situation and help find ways to protect your income, assets and, if you’re a business owner, your business, at every stage of your life and as circumstances change.
  3. Wealth Accumulation: Design a strategy to help you invest your assets in order to meet your financial goals by taking into consideration your personal situation and tolerance for risk.
  4. Tax Management: When applied appropriately in conjunction with a financial plan, tax strategies can help reduce the impact of taxes on investment returns and income. While only your accountant or attorney may provide tax or legal advice, your financial planner can work with them to coordinate a plan that best suits your needs.
  5. Retirement Planning: Obviously, the earlier you start saving, the more flexibility and freedom you’ll have to choose the when, how and where of retirement. If you’re a business owner, your financial planner can show you how to take advantage of retirement strategies to help maximize your retirement savings while offering plans that can reward and retain top talent. And even if you’ve already retired, your financial planner can help to ensure that your savings continue to work for you.
  6. Estate Planning: Proper estate planning can help you to pass on more of your wealth to your family and charities than to taxes. It can take into consideration the special concerns of young families with minor children, business owners who need to address succession planning or grandparents who’d like to help the grandchildren go to college.

We'll follow this systematic approach in order to create a plan that fits your unique vision:

  • Step 1: Initial meeting to understand your goals and objective
  • Step 2: Data gathering to help develop your personal plan
  • Step 3: Analyze your current situation based on the data you provided and develop comprehensive solutions
  • Step 4: Review your initial plan and discuss the recommended strategies
  • Step 5: Implement plan and recommendations and products to help you attain your goals and objectives.
  • Step 6: Monitor your plan and make updates periodically based upon changes to overall goals, objectives and life changes. Here, we can also utilize the ongoing advice model of quarterly reviews:
    • Q1: Financial Planning Topics
    • Q2: Investment Planning
    • Q3: Protection Planning
    • Q4: Year End Tax Planning

*Your plan may be implemented through the financial institution of your choice.

*Please note representatives do not provide any legal or tax advice. Work with your attorney or tax advisor regarding these matters.