Specializing in retirement planning and personalized investment management.

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 &

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 a Recommendations Report, which simply provides specific recommendations and details about what you need to do and when in each planning area. You are encouraged to track your progress through periodic or annual review meetings. 

Continue to our Financial Planning services.