Insurance Needs Analysis
We review all existing insurance coverages and deficiencies, making recommendations based on future earnings potential and the amount of business or personal assets and liabilities. This is step number one in our financial planning process—assuring loved ones are covered.
Tax Planning
While we are not accountants, we provide services to assist in projecting tax costs and make sure our clients are properly filing and receiving sound tax advice from their tax professional. Also, we manage investments and make retirement saving recommendations based upon each client's particular tax situation.
Retirement Planning
We utilize state-of-the-art software to project retirement costs and develop a plan that optimizes the likelihood for our clients to enjoy their retirement years. This plan will include maximizing the tax efficiency of disbursements from various assets and accounts.
Cash Flow planning
We analyze our clients' current expenses, annual budget and monitor spending to assure we are making appropriate assumptions in our financial plan. Also, we project long term cash flows to help clients visualize their opportunities and expenditures.
Investment Management
We conduct a detailed risk tolerance and objective assessment. Upon evaluating the results of this assessment, we appropriately allocate investments. We monitor the level of concentration and diversification in the portfolio and make recommendations accordingly.
estate needs analysis
We provide an overview of estate needs that should be discussed and or reviewed by your attorney, if needed, we will provide references to qualified attorneys to make sure your needs and wishes are covered.