Client-centered financial planning

Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, you and your advisor will develop customized financial strategies that can help turn your goals into reality.

 

Current Financial Position

• Determine current income and expenses

• Determine current and projected net worth

• Establish an emergency fund in the event of a disability

 

Investment Planning

• Assess your risk tolerance

• Design an asset allocation strategy

• Evaluate investment strategies

• Fund college education or a home purchase

 

Retirement Planning

• Estimate retirement income and expenses

• Determine retirement savings needs

• Determine how to distribute your retirement funds

 

Tax Planning

• Project federal income taxes

• Evaluate tax-minimizing strategies

• Investigate tax-favored investments

 

Protection Planning

• Providing for your family in the event of death

• Protecting your income in the event of disability

 

Estate Planning

• Transfer your estate according to your wishes

• Minimize estate taxes and expenses

• Fund estate taxes

 

Separate from the financial plan and our role as financial planner, we may recommend the purchase of specific investment or insurance products or accounts. These product recommendations are not part of the financial plan and you are under no obligation to follow them.