Broker Check

Financial Planning

Planning one’s finances is a lifelong task. Our mission is to be a trusted steward for our clients and serve as the captain of your financial vessel as we navigate the financial waters together to achieve your needs, wants, and wishes. We understand that finance is another language, so we aim to make these concepts simple and relatable. The first step is to schedule a complimentary consultation, a first date of sorts, to learn more about each other and explore how we can help. Please see the "Services & Fees" website page to learn about our numerous service options.

Investment Planning

  • Investment Philosophy
  • Asset Allocation
  • Time Horizon Planning
  • Dollar Cost Averaging
  • Review of Employer Sponsored Plans
  • Review of Portfolio Positions
  • Account Aggregation
  • Stock Concentration

Tax Planning

  • Tax Sensitive Investing
  • Review of Cost-Basis
  • Review Realized Gains
  • Carry Forward Losses
  • Tax Loss Harvesting
  • Deduction and Credits
  • Potential Roth Conversions
  • Health Savings and Flexible Spending Accounts
  • Tax Return Review

Retirement Planning

  • Retirement Goal Setting
  • Social Security Analysis
  • Cash Flow Analysis
  • IRA Contributions and Roth Conversions
  • Review of Employer-Sponsored Plans
  • Annuities and Pensions
  • RMD's and Withdrawal Strategies
  • Self-Employed Plans

Cash Flow & Budget

  • Review of Income Sources
  • Settings Goals Expenses and Budgeting
  • Debt Management
  • Review of One-Time Expenses
  • Planned Large Expenses
  • Emergency Funding
  • Mortgage Review
  • Lines of Credit

Estate Planning

  • Wills
  • Power of Attorney
  • Living Will
  • Health Care Proxy
  • Trusts
  • Irrevocable Life Insurance Trusts
  • Estate Taxes
  • Guardians for Minor Children
  • Charities

Assistance to Loved Ones

  • Gifting
  • College Planning
  • Caring for Elderly
  • 529 College Savings Plan
  • Roth IRA's for Children
  • UGMA/UTMA
  • Establishing Trusts

Insurance Planning

  • Review of Existing Policies
  • Life Insurance Needs Analysis
  • Long Term Care Insurance Analysis
  • Disability Insurance Analysis
  • Health Insurance Review
  • Health Savings Account

Q1: Winter Review

Retirement and Cash Flow Planning

Q2: Spring Review

Tax Planning

Q3: Summer Review

Risk Management and Assistance to Loved Ones

Q4: Fall Review

Investment and Estate Planning