Financial Planning
Live Your Life by Design, Not by Default
We believe financial planning is an ongoing process, not an event. As such, we act as your guide in the ever-changing landscape of life. That means partnering with you to define your life’s purpose, putting a dynamic plan in place, and then acting as your ongoing guide, coach, and accountability partner.
Find Your Family’s Financial Purpose
Everybody has a unique story and everyone is trying to achieve different things. For some, it’s spending more time with your family enjoying unique experiences. For others, it’s living an abundant retirement and leaving the world a little better than they found it. We help you pinpoint your purpose(s) and then start the journey together.
FINANCIAL PLANNING
For Individuals
We are a fiduciary and always act in your best interests. This means we don’t deliver boxed solutions – everything we do with our clients is bespoke. We take a holistic planning approach and examine your situation from many different perspectives. Here are four quick examples:
Assessment
We will help you bring your risk, current financial situation and spending into focus.
Social Security Analysis
In-depth analysis of available Social Security claiming options.
Personalized Cash-Flow Based Planning
Narrowly tailored to identify and address your specific goals and objectives.
Risk Management Planning
Comprehensive analysis of life, disability, long-term care and other risk management solutions.
Individual Planning
Your business is part of your individual financial plan – and a key asset in your life.
Business Valuation
Determine an accurate valuation of your business to incorporate into your personalized financial plan.
Tax Efficiency
We help you make tax efficient decisions today rather than when it comes time to file.
Succession Planning
Understanding what happens to your business when you’re gone is vital to financial planning.
FINANCIAL PLANNING
For Businesses
Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? We help you answer these questions, with a focus on four areas of business financial planning.
Risk Management
Our team works to identify risks that could tremendously impair your financial situation. While it’s important to focus on what may go right with your situation, it’s also crucial to consider how you may be negatively impacted without protections in place. Transferring risk to the deeper pockets of an insurance company in a cost-effective manner may be prudent to minimize the financial damage of a catastrophic, unanticipated event.
Some of the ways we utilize insurance in the financial planning process include:
Life Insurance
Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax-free, if structured properly.
Disability Insurance
Aims to provide financial support in the event of your inability to work prior to financial independence.
Long-Term Care
Provides financial support for activities of daily living in respite care, adult day care, in-home care, assisted living and nursing home care.
Request an Appointment
In 15 minutes we can get to know you – your situation, goals and needs – then connect you with an advisor committed to helping you pursue true wealth.