What We Do

An individual's financial well-being is comprised of many elements, all should be considered to customize a comprehensive financial plan.  Planning will help minimize the guesswork out of managing your finances.  We can help you to gain an understanding of how each financial decision impacts overall goals, today and in the future.   The planning process is ongoing and begins with an agreement to work with the CFP® professional.  Thorough information gathering on all things financial will allow me to gain an understanding of your current situation.  This discovery process will aid in goal definition and the timeframe needed to achieve your personal life objectives.  An analysis will be conducted to develop recommendations that will address your specific goals and circumstance.  Only after this analysis is conducted, can a plan be put into motion that must be monitored and adjusted periodically to help keep you on track.

Several key areas are addressed in a financial plan:

  • Tax planning -- wealth management is operating in a tax-optimized manner to seek ways to reduce current and future tax burdens.
  • Retirement -- ongoing planning during accummulation and managment during the distribution phase utilizing all appropriate retirement vehicles to help make sure your income is sustained during your life.
  • Investment management -- as life and goals change, your investment strategy may also need to be modified.  Your investment allocation will be monitored and updated as needed to help reach goals while considering your specific risk tolerance.
  • Education -- helping to plan for a loved ones education costs.
  • Insurance -- unexpected illness and injury can happen to anyone at anytime of life.  Planning for unexpected events can help protect your lifestyle and your family who are dependent on your income.
  • Debt Management -- debt can have a negative impact on your ability to save money for the future.  We help to provide you with some strategies to help reduce debt in order to achieve long range financial goals.
  • Estate conservation -- helping to design an estate plan that defines your legacy is difficult, but a necessary part of goal establishment.  By successfully planning the transfer of your wealth we will help to minimize income/estate taxes to provide your chosen beneficiaries the legacy you seek to leave behind.  Beneficiaries should be reviewed periodically and updated following all major life events.