Financial / Retirement Planning

Financial planning consists of six main areas. Changes in one area often affect other areas. It is imperative to work with a CFP® professional who understands how to build a coordinated financial plan.

Click here to see what each area entails.

Financial & Retirement Goals

  • Goal & Lifestyle Definition
  • Accumulation & Funding Strategies
  • Review Strategies from Retirement Income Playbook
    • Social Security and Pension Options
    • Cash Flow Buffer
    • Lifetime Retirement Income
  • "What If" Scenarios with Various Plan Testing
    • Retirement Cash Flow
    • Probability Analysis (Monte Carlo)
    • Stress Testing
    • Withdrawal Rate Sustainability

Assets & Investments:

  • Investment Education & Strategy
  • Portfolio Allocation & Asset Location
  • Tax Considerations
  • Investment Selection
  • Stock Option Planning
  • Restricted Stock Units (RSUs)
  • Rental Real Estate
  • Business Ownership and Retirement Plans
  • Management (optional)
    • Rebalancing
    • Tax
    • Contributions &
      Distributions

Tax Planning:

  • Review Current Tax Exposure
  • Analyze Current and Future Tax Efficiencies
  • Advanced Strategies

Cash & Debt Management:

  • Net Worth and Cash Flow
  • Mortgage and Other Debt Analysis
  • Emergency and Short-Term Savings

Estate Planning:

  • Review Wills
  • Review Power of Attorneys
  • Review Trust(s)
  • Asset Titling
  • Beneficiary Designations
  • Philanthropy / Legacy Planning
  • Advanced Strategies

Risk Management:

  • Review the Following Insurance Coverage:
    • Heath
    • Life
    • Disability
    • Long Term Care
    • Auto, Home, Liability
  • Other Liability Reduction Strategies

Our financial plans are about quality, not quantity. You will not be handed a 50-page spiral-bound “plan” full of boilerplate language with confusing numbers and line graphs. We provide answers and solutions in the form of a streamlined Recommended Action Plan. This checklist provides specific recommendations and details about what you need to do and when. You are encouraged to track your progress through periodic or annual review meetings. 

We offer three services within Financial Planning:

Accumulator Plan: This service is a general overall assessment.  It reviews all six areas, including investments, but does not cover complex planning needs. It usually consists of two meetings and includes an interactive planning session and a review of our written recommendations.

This service is best suited for clients still accumulating for retirement, but do not have complex needs.

Retirement Planning and Strategies: This is an in-depth review of your Financial Goals (retirement planning, travel, etc.), Investment Portfolio, and Cash & Debt Management with an emphasis on retirement readiness . It typically consists of 2-3 meetings and includes an interactive session to assess financial and retirement goal planning and test various "what if" scenarios along with a presentation of our specific recommendations detailing what to do and when. 

This service is best suited for those approaching retirement or already in retirement.

Advanced Financial Review: This review expands on Retirement Planning and Strategies by also including Tax Planning, Risk Management, and Estate Planning. We thoroughly review and provide advice on all six key areas in your financial plan. This service usually consists of three or more meetings, depending upon complexity. It includes an interactive session to assess financial and retirement goal planning and test various "what if" scenarios and concludes with a presentation of our specific recommendations detailing what to do and when. 

This service is best suited for families accumulating for retirement and other goals and looking for an in-depth financial review, or those with more complex needs.


Our process begins with a complimentary initial meeting.