Comprehensive Financial Planning
The process of simplifying
your financial life by defining your goals and organizing
your financial resources to help accomplish those goals.
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Personal Financial Management
Planning For
Major Purchases Managing
Liabilities/Debts
Income Tax Planning Cash Flow
Analysis/ Savings Plan
Net Worth
Analysis Investment Asset
Allocations
Plans for
retirement within a specific time frame while maintaining a
desired lifestyle and creating steady, secure income.
Examination of alternative strategies to
help ensure greater financial well-being in retirement.
Estimates the
cost to fund college expenses for children, grandchildren or
yourself. Discussion of how much needs to be saved;
guidance on loans and other sources of funds, as well as the
use of techniques that offer tax-deferred growth and
tax-free withdrawals.
Leave what you want, to whom you want, when you want, with a
minimum of taxes and
maximum
control. Pre-legal organization and planning advice on
leaving a legacy.
Determines the
appropriate amount and types of insurance needed and
for what
time frame, including:
Life
Insurance
Disability Insurance
Long-Term Care Insurance
Health Insurance
Home & Automobile Insurance
Business & Estate Insurance
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Investment Management
The day-to-day management of
your investment assets according to the goals spelled out in
your Financial Plan and Investment Policy Statement.
Portfolios are designed to deliver growth, income or a
combination of the two without compromising your desired
level of safety. Our guiding investment philosophy is to
identify those investments that have proven to provide
consistently strong performance and stability with limited
volatility.
Investment
portfolios are managed by both us personally as well as
through the selection of third party professional money
managers. Investment vehicles generally consist of:
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Mutual
Funds, Exchange Traded Funds And Institutional Managers
(U.S./International Stocks & Bonds)
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Alternative Investments (U.S. & International Real
Estate, Oil & Gas, Etc.)
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Fixed &
Variable Annuities
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Risk Management
Many clients have previously
been oversold insurance. If we can reduce unnecessary
coverage, or reduce the premium paid for the same amount of
coverage needed, every dollar saved can go towards
fulfilling your financial goals. Identical to Risk
Management as outlined in our Comprehensive Financial
Planning service #1 above, this option is offered a la
carte.
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Risk
Management determines the appropriate amount and types
of insurance needed and for what time frame,
including:
Life
Insurance
Disability Insurance
Long-Term Care Insurance
Health Insurance
Home & Automobile Insurance
Business & Estate Insurance
We analyze
your alternatives for acquiring proper protection; suggest a
plan of action; implement the plan and regularly monitor
overall coverage to remain consistent with your goals.
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Business Consulting
Guidance is available for small business owners on
everything from compensating employees to creating and
implementing a Succession Plan.
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Business Succession Planning
Preparation
and guidance for the transition from running a business to
leading a successful
retirement lifestyle. We also address unforeseen
events to
ensure the business
continues.
A. Goal
Setting
a. Time
Frames
b. Action
Plan
B.
Determining Current Valuation
a. Negotiating / Business Purposes (Not IRS)
C. Marketing The Business Sale
a.
Identifying & Screening Successors / Purchasers
b.
Negotiate Price From Behind The Scenes
D. Enhancing Value & Increased Cash Flow
E.
Structuring The Sale
a.
Analyzing Terms Of Payment
b.
Work In
Coordination With Attorneys & CPAs
F.
Business Retention & Continuation
G.
Developing An Overall Transition Plan
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Business Retirement Planning
Focuses on
retirement plan installation and employee education to:
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Create
Strategies To Attract & Retain Talented Employees
-
Structure
Effective Retirement Plans For Owners & Employees
-
Develop A
Source Of Retirement Income For Both Owners & Employees
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