Financial Planning
Financial Planning that creates Clarity
Your financial life is full of intricacy. Our financial planning process comes in four parts, each designed to bring clarity to your vision.
Investment Consulting
Custom-designed portfolios
Investment analysis
Risk management for concentrated positions
Portfolio monitoring
Asset allocation
Risk tolerance assessment
Analysis for impact of cost and taxes
Alternative investment
Advanced Planning
Combining wealth enhancement, wealth transfer, wealth protection, and charitable giving into a comprehensive strategy that meets your goals.
We also coordinate with your other professional advisors, such as CPAs, estate attorneys, and any business advisors you may have.
Wealth Protection: You seek to avoid the risks that threaten your hard-earned wealth, such as creditors and lawsuits.
We offer: Insurance Analysis and Risk Management Strategies
Ensuring you are protected from financial fraud and cybersecurity threats
Obtaining or modifying life, disability, and long term care insurance coverage
Managing liabilities and loans
Collaborating with attorneys to bring your financial plan into alignment with proper legal structuring
Wealth Transfer: You have loved ones and causes you care about, and need a strategy for handing down your assets to them.
We offer: Collaboration with your Estate Planning and Legal Teams
Selecting a 529 plan and college savings strategy
Establishing wills, trusts and estate planning
Protecting your children’s inheritance
Selecting trustees and executors
Managing a will being challenged and avoiding probate
Beneficiary analysis
Charitable Giving: You wish to perform acts of stewardship for the world around you and build your legacy.
We offer: Charitable Impact and Philanthropic Strategies
Setting up or managing family foundations
Structuring Donor Advised Funds
Establishing your family’s legacy
Wealth Enhancement: You face decisions about when you can retire and how to optimize the savings you have accumulated.
We offer: Tax Mitigation and Cash Flow Planning
Decisions about when to retire
Identifying the best time to take Social Security
Figuring out how to replace your paycheck in retirement
Planning out your retirement income stream
Devising a strategy for taking distributions from retirement accounts
Making decisions about how to manage estate taxes
Optimizing your retirement accounts for tax efficiency
Buying or selling real estate and managing the mortgage and closing costs for the transaction
Deciding which income tax withholding election is best for you
Business owner retirement planning
Selecting retirement plans for your business
Deciding when to claim Social Security as a self-employed person
Sale of a business/succession
Specialized knowledge of financial planning for therapists
Corporate executive financial planning
Specialized knowledge of Pfizer, Merck, and JNJ employee benefit plans
Making decisions about the 401k and 401k match
Making pension payment decisions
Optimizing severance and health benefits