Financial Planning

Financial planning
Financial planning can impact your family tree for generations.

Family financial planning is a process – a journey really, we will undertake together. By helping you define your objectives, we are better able to understand where you are, where you want to be, and develop a road map to help you get there. Whatever your hopes for the future, the only way to achieve the vision of how you’ll spend the years ahead is to commit to a plan that can help you make it happen.

But it doesn’t stop there. Over the course of your lifetime, your dreams, goals, and circumstances change. Through life’s ups and downs, we’ll be there to provide guidance, monitor your progress, and help keep your plan in sync with your life.

Discovery – Once you have joined our client family, we’ll talk about the things that are most important to you; business interests, career, family, community, pastimes, church. We’ll ask a lot of questions about what you’re really thinking, feeling, worried about, your experiences with money, and what you’ve accomplished so far. Together we’ll figure out where you are now.

Planning – Based on what we discuss in the Discovery phase, we will assess your personal situation, gauge where you are now relative to your life goals and priorities, and consider what gaps exist. We will weigh the implications of each goal we discuss and build the foundation for a plan that supports them.

Solutions – A benefit of holistic financial planning is that it provides a comprehensive view of all areas of your financial life. During this phase, we will recommend specific solutions to help match each of your goals. This is where we implement your customized plan.

Monitoring – Just when you make plans, life happens . . .and events large or small can change everything. The monitoring stage incorporates tracking systems to keep your plan on target. We’ll help you plan for the unexpected, anticipate change, and adjust your plans over time, as necessary.

Our financial planning approach recognizes that we’re all on a journey, and that each of us requires a road map to help us get to where we want to be. This disciplined planning process has helped other clients eliminate debt, better understand the financial decisions that support their situation, and improve family communication regarding money issues.

Holistic financial planning recognizes that every aspect of your financial life is interdependent, . . .connected.  Attempting to addresses these issues individually without considering its impact and effect on the other areas invites unexpected points of failure. We help our clients with;

  • Retirement accumulation and distribution planning
  • Social Security Planning
  • Tax strategy development
  • Estate planning, audit, and processing
  • Risk/liability analysis and management (insurance review)
  • Business valuation and succession planning
  • College education planning
  • Financial education and decision support
  • Portfolio risk assessment and management
  • Individual, institutional, and non-profit portfolio management
  • Trust administration
  • 401k rollovers, IRAs, ROTH IRAs, 72t, QDRO, other no-penalty early distribution strategies

We provide efficient access to the following financial products in the course of delivering our core service.

No-load mutual funds, closed end funds
Exchange traded REITs
Stocks, options, MLPs
Corporate & municipal bonds
Exchange traded BDCs, ETFs
Treasury notes & bills
Individual and small business retirement plans (IRA, Simple, SEP, OwnerK)

Our first conversation is all about you and begins with a complimentary review by a senior advisor.