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 Cash Flow Analysis/ Savings
Plan
Income Tax
Planning Investment Asset
Allocations
Financial
Organizer Managing
Liabilities/Debts
Goal Assessment Net
Worth Analysis
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.
Pre-legal organization and planning to leave what you
want, to whom you want, when you
want, with a minimum of
taxes and maximum control.
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.)
-
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 employee
benefits to succession planning.
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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. Valuation
a. Coordination
with accounting or valuation firm.
b. Negotiating
/ Business Purposes (Not IRS)
C. Enhancing
Value & Increased Cash Flow
D. Structuring
The Sale
a.
Assistance with Screening
Successors / Purchasers
b.
Negotiate Price From
Behind The Scenes
c.
Analyzing Terms Of
Payment
d. Work
In Coordination With Attorneys & CPAs
E. Business
Retention & Continuation
F. 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 & Employee
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