Services

RETIREMENT

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.

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.

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.

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.

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.

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.