Our Services

Financial Strategy and Goals-Based Planning

Building a solid foundation using goals-based, financial planning that is on-going and accessible so we can focus together on meeting and exceeding important milestones, regardless of market conditions and performance.

  1. Goal Setting and Planning
    • Develop, implement and monitor all financial goals
    • Calculate net worth and review cash flow annually
    • Conduct annual planning evaluations and tracking of goals
    • Provide proactive follow-up on action items
    • Provide advice on healthy financial behavior, e.g. wants vs. needs
  2. Retirement Planning
    • Evaluate pension plan structures, IRA's, Roth IRA's or qualified plans
    • Analyze distribution options for pensions
    • Calculate retirement plan benefits, including Social Security
    • Calculate IRS Required Minimum Distributions (RMD's) and educate on regulations
    • Provide Roth IRA conversion calculations and advice
    • Educate on how the timing of retirement will affect retirement lifestyle
    • Review and update goals, objectives and priorities to analyze the impact of these changes on overall financial situation
    • Update financial projections to monitor the effect of stock and bond markets, changes to cash flow needs, risk tolerance and other variables
    • Analyze the effects of inflation on financial goals
    • Provide stress test analysis of portfolio, i.e. Risk Tolerance
    • Provide Social Security analysis and optimization
  3. Education Planning
    • Evaluation of the various vehicles for educational savings and selection based on individual needs
    • Monitor age of student(s) to ensure proper allocation based on risk tolerance and time horizon
    • Provide guidance and advice on financial aid and scholarship funding
    • Monitor state and federal tax laws for changes to education benefits, contributions, credits and deductions
  4. Networth Statement and Balance Sheet
    • Gather and analyze information to create household balance sheet
    • Analyze debt structure and organization; assess lending opportunities
    • Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs, accelerated payment programs and PMI reduction strategies
    • Calculate net worth
    • Monitor net worth to ensure the financial plan is working to preserve and grow assets
    • Help prioritize spending and prepare for potential pitfalls
    • Look for opportunities for additional savings
  5. Benefit Plan Analysis
    • Provide advice to maximize employee benefits
    • Annual analysis of employee benefits
    • Provide stock option strategies
    • Provide advice on employee stock purchases as a part of overall investment strategy
    • Monitor contributions to retirement plans
  6. Tax Sensitivity Analysis
    • Provide information about tax-planning strategies
    • Work in symphony with CPA to enhance tax efficiencies in overall financial plan
    • Assist CPA with gathering data
    • Simplify tax reporting
    • Discuss tax benefits of optimizing 401(k), 403(b) or other retirement plan options
    • Provide information on the benefits of section 125 plans and health-savings accounts
    • Help reduce taxation of Social Security benefits
    • Provide advice on possible benefits of Roth conversions
    • Monitor tax law changes and the impact on overall situation
    • Establish and track cost basis on taxable accounts
    • Provide advice on retirement plan distributions prior to age 59 ½
    • Provide advice on Required Minimum Distributions (RMD’s) after age 70 ½