Our Approach

BUDGETING

• Review of cash flow
  
• Creating a target for saving vs. spending
  
• Planning for emergencies
  
• Debt payoff strategies
  
• Saving for big purchases and long-term goals

INVESTMENT MANAGEMENT

• Matching investments to your specific goals
  
• Selecting risk appropriate options
  
• Maintaining the right balance for your discussed goals, including liquidity and tax management
  
• Review of employer retirement plans

RISK MANAGEMENT

• Strategies to preserve and protect what you have accumulated
  
• Analysis and review of insurance plans in place
  
• Gap analysis for risks not currently covered

COLLEGE FUNDING

• Determine the amount of assets to accumulate based on funding goals
  
• Determine the amount to save periodically to meet goals
  
• Compare different investment vehicles to use for college funding and recommend those most appropriate to your situation
  
• Management of investments in order to implement your strategy

RETIREMENT INCOME PLANNING

• Outlining what retirement looks like to you
  
• Retirement projections including determining how much
  you will need to accumulate
  
• Establish a plan to generate necessary income in retirement

ESTATE PLANNING

• Review of recommended documents
  
• Working with your attorney to help you stay on track with
  important documents
  
• Proper titling and beneficiary designation in accounts and policies

TAX ADVANTAGE STRATEGIES

• Analysis of current and potential taxable and tax-advantaged
  investments
  
• Asset review, including tax efficiency
  
• Working with your tax professional