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Services

Our team will help you make sense of the complicated world of investing, taxes and insurance by providing sophisticated solutions that are easy to understand and implement. Tell us about your goals and we will help you plan for them.

 

As a client, you will have the flexibility to work with us on a one-time or an ongoing basis, and will have access to financial planning and advice regardless of your net worth, income, or the amount of assets you have available to invest.

 

Here are some of the more common concerns we address through our financial planning services:

Housing / Real Estate

  • How can I minimize my risk when investing in real estate?
  • Does it make sense to rent or own?
  • Should we refinance our mortgage?
  • Should we pay off our mortgage?

Estate Planning

  • Are my current estate documents adequate?
  • How can I give money to my children without paying gift taxes?
  • What will happen to my assets when I’m gone?
  • How do I protect my minor children?

Retirement

  • How much money will I need when I retire?
  • Am I on track to meet my retirement goals?
  • How can I create an income stream during retirement?
  • At what age should I take my Social Security benefit?

College Funding

  • How much will I need for my child or grandchild’s education?
  • Does a prepaid tuition plan make sense?
  • Should I put all my college savings in a 529 plan?

Investments

  • Are my investments performing well enough to meet my goals?
  • Which investments should I contribute to inside my work retirement plan?
  • How can I take less risk?

Insurance & Protection

  • How much insurance do I really need?
  • Is my current insurance coverage adequate?
  • What is an umbrella policy and do I need one?
  • When does it make sense to forgo insurance and self-insure?
  • Should I purchase disability protection?

Tax Planning

  • Are there other ways I can reduce my tax liabilities?
  • What tax advantaged vehicles can I use for retirement?
  • What is the best strategy for withdrawing from my retirement accounts?
  • What is the most tax-efficient way to save for my child’s education?

Income & Cash Flow

  • Am I earning enough money to meet my goals?
  • How much can I really afford to save each month?
  • What is the right amount to keep in my emergency cash reserve fund?

Pricing for Financial Planning

We offer the flexibility of two options for our financial planning services. Our comprehensive financial planning service covers the major areas for one all-inclusive, discounted fee. And for those focused on specific financial goals such as retirement, insurance, estate planning or saving for college, we also offer targeted planning at an hourly rate.

All of our clients are entitled to an initial complimentary consultation in which we will provide a crystal clear quote of the number of hours and total cost of your financial planning service.  You will not be charged for this initial consultation and we will tell you exactly how much you will be paying to work with us.

Schedule your free consultation today with a Certified Financial Planner™