A Financial Plan Running on ALL Cylinders
When it comes to your finances, you can't afford a misfire. Our professionals will help you develop a plan with clear actionable steps addressing key areas of your finances. We will provide insight into potential strategies you might not have considered.
Get More Out of Life
When you become organized financially, you'll find it easier to engage with life. Stresses and anxieties decrease, uncertainties about your future are lessened, and peace of mind is gained.
Professional Coaching for your Finances
Have you ever wanted a personal financial advocate who champions your success? Someone working with you, for you, on your behalf. Your advisor will be your sounding board, helping make sure exceptional decisions are made, with a-long-term strategic plan in mind to realize your personal and financial goals.
Millennials
Generation X
Baby Boomers
Step 1: Goals, Discovery and Prioritization
Whether planning for a future financial purchase, to become work optional or just working to get your financial house in order, this task can often feel overwhelming. That is where we come in.
Our first goal is to understand your priorities and what you value most, and then develop a strategic plan to realize your objectives. We will help get you on track, and remain on track.
Areas of focus:
- What would you like to accomplish in the next 1 year, 5 years, 10 years and beyond?
- What concerns do you have? What keeps you up at night?
- Would you like to become work optional? If so, when?
- Why is money important to you?
We'll help you find answers to these questions and more.
Step 2: Evaluate Your Bottom Line
We provide an objective evaluation of your current financial situation.
A Current Situation Analysis is prepared, detailing an honest and thorough assessment of where you sit financially and where you could be if nothing were to change.
Strengths, weaknesses and potential opportunities are highlighted. Income, savings, investments, expenses, liabilities, insurances, taxes are all taken into consideration.
Step 3: Exploring Your Options
After reviewing where you are, we turn the focus to where you want to be, considering current and future resources which may be available.
The objective is to identify possible courses of action and through modeling and probability analysis determine the likelihood of success for each.
Areas of Focus:
- Assets and liabilities
- Taxation
- Risk exposure
- Projected financial impact
- Quality of life
We then stress test each course of action against real world possibilities to determine their potential impact on the ultimate outcome. Are they feasible, efficient and financially wise?
Step 4: Determine Course of Action
Now that the various options and their probabilities of success have been identified, the next step is for you to decide how you'd like to proceed.
Step 5: Implementation
We believe the relationship should not end with the initial plan, but be only the beginning. Planning without implementation is a waste of time and money.
That being said, we are available to assist you with implementation to the extent you wish. If you choose to implement through us, ways we can be involved include:
- Providing appropriate investment options if desired.
- Tax Planning as needed
- Risk Management as needed.
- Estate planning as needed.
- Introductions to vetted industry professionals as needed.
Step 6: Monitor Progress Regularly and at Significant Life Events
Plans are never static, nor should decisions be made in a vacuum. Markets, interest rates, and life circumstances change over time. A plan should evolve and adapt as needed. Periodic course corrections will be necessary to keep you on track.
We encourage update meetings once a year, before and after major life events or if something else significant has changed.
Though often neglected, regular updating of your plan is arguably more important than creating your original plan.
Financial Planning Software
We incorporate a sophisticated while still easy-to-use financial planning platform designed to analyze and model important aspects of your current financial picture and how your decisions of today may impact your realities of tomorrow.
Our software promotes a collaborative environment for our advisors and you to work together online or in person, in real-time developing and implementing your stated goals.
If you wish to schedule a demo, contract us today!
Interactive Retirement Planning
Build confidence in your plan by modeling and comparing multiple retirement scenarios, stress tests and more.
Make your golf-in-the morning, beach-all-day, travel-dreams during retirement a reality.
Tax Efficient Strategies
Easily see how you could save hard earned money with tax efficient accumulation strategies as well as developing optimal tax-efficient distribution strategies.
Model backdoor Roths, Roth conversions and more!
Our planning software provides projections and estimates of what your Federal Form 1040, Schedules 1-3, A, B, D, AMT and Taxable Security could look like each tax year from current year to the final year of your planning horizon. - Estimated taxes are based on inputs in your profile and plan, using current tax rates and methodologies.
Social Security Optimization
Discover how to maximize your Social Security income. Confidently decide when to start receiving benefits.
Budgeting Tools
Sophisticated, dynamic and easy to use software to manage your budget, track your spending in various categories, and manage expectations for future spending.
Student Loan Management
Ease the burden of student debt for you and your children with our unique student loan module designed to illustrate various scenarios for reducing payments.
Insurance Needs Evalutation
Help protect yourself in the event of situations such as disability, long term care needs, or death.
Evaluate your potential needs in different situations and identify ways to ensure your plan will be successful.
Demystified Estate Planning
Learn the flow of your assets at the end of life, including estimates of potential estate tax ramifications.
Implement our Estate Planning Checklist and replace anxiety with peace of mind, knowing your assets are in order.
Account Aggregation
Bring together your bank accounts, credit cards, and externally-held investment accounts all in one place. It’s easy to see your full financial picture.
Net Worth BlueprintTM
Visually explore all household assets and liabilities, insurance policies and trust-owned assets.
Each item is color-coded by type and organized by owners for an easy review.
Goals BlueprintTM
See a timeline of key events happening in your life. Whether it's a major purchase, a kid going off to college or the long-awaited retirement, visualize you life goals in one graphical layout.
Income, Savings & Expenses BluePrintTM
Get a visual summary of your household income sources, savings, and outgoing expenses.
All items are organized by owners and color-coded by category for quick visual checkups.
More detailed cashflow reports are also available.
Ready to take the next step?
- Begin the process today by selecting the link below.
- You will be prompted to establish credentials and complete your online profile.
- Upon completion an advisor will reach out to you, and you will gain immediate access to a trial version of our planning software.