Services

Financial planning integrates multiple domains into one "big picture"; our work together ensures the details unique to each domain are addressed while putting your dreams into focus.

RETIREMENT

 

Facilitating distributions from retirement accounts; integrating Social Security and Medicare into retirement planning; and helping to design, maintain, and refine an income program for pension, annuity, and other guaranteed income sources coupled with portfolio income (including dividends and interest) to meet spending needs. For those in pre-retirement, analyzing the probability of retirement success and exploring factors for increasing it, including retirement savings mechanisms in place and prospective modifications.

CASH FLOW

 

Scrutinizing cash flows (income relative to expenses) to target surplus opportunities for further savings or reallocated spending and identifying situations where overspending can be eliminated. Reviewing spending plans for optimizing your budget, efficiently chipping away at debt, and proactively setting up sources of credit and cash for emergencies.

INVESTMENTS

 

Designing a risk-appropriate investment program with ample diversification, adequate rebalancing, tax efficiency, and minimized expenses. Among many potential value-added investment “tools in the box”: tax loss harvesting, asset location, select active management strategies, and tactical asset allocation.

INSURANCE

 

Identifying and quantifying potential risk exposures whose impacts may be mitigated by life, disability, or long-term care insurance. Reviewing available health and property & casualty insurance offerings to ensure adequate sources of coverage. Working through an appropriately licensed insurance professional to execute on recommendations made. All advice given will be unbiased, as no compensation or commissions are accepted for coverages recommended or policies sold.

EMPLOYEE BENEFITS

 

Digging into employer-sponsored benefits and evaluating respective pros/cons. For those receiving or having access to restricted stock units, employee stock purchase plans, and/or stock options, assisting with navigation of these forms of equity compensation and their associated tax treatments to ensure informed decisions and appropriate action.

TAX PLANNING

 

Discussing and consulting on tax-advantaged strategies to legally minimize taxes owed and possibly even avoid unnecessary taxation, as well as coordinating with appropriate tax professionals whenever pursuing such strategies.

EDUCATION

 

Designing plans for education savings and financial aid options. Taking action to either set up or provide ongoing assistance and instruction with active 529 savings plans and other tax-favored savings vehicles for education.

SPENDING DECISIONS

 

Consulting on major purchases, reviewing mortgage financing, or conducting cost/benefit and spending scenario analyses as needed, adding value by consulting with relevant real estate and banking professionals when necessary.

ESTATE PLANNING

 

Providing insights on options and strategies to ensure order during periods of transition and crisis involving death/incapacity. Assisting the coordination of work efforts with licensed attorneys to ensure wishes are honored, instruments executed, and legacy endures. Supporting charitable planning through the use of donor advised funds and other philanthropic tools.

 

There are four forms of client service engagement.
Let’s have a conversation to discuss which approach makes the most sense for us working together.

  • For clients wanting full-scope plan design, creation, and associated recommendations; assistance with execution on recommendations made; and an ongoing process of monitoring and review related to planning goals, including annual plan updates and investment allocation reviews. Fees for such ongoing services will depend on the complexity of a client's situation.

  • Identical to Ongoing Comprehensive Financial Planning services, but also including direct oversight and management of all or some portion of the clients' investment assets. Fees will incorporate the amount of assets under management (AUM).

  • For clients wanting the design, creation, and recommendations associated with a full-scope financial plan. Once a final plan and accompanying recommendations are delivered, the work is done and the client is responsible for taking any further action on executing recommendations made. The service fee will be based on the estimated number of hours to accomplish the work times an hourly rate for service.

  • For clients requiring assistance with specific, independent planning tasks. Cost is based on an hourly rate for service times the number of hours worked.

 

 Fees for our services are eligible to address on an introductory call. Please click here to see an official fee schedule.