Comprehensive Financial Planning

The Mini Plan provides a clear plan for meeting long-term goals – typically retirement and education. Emphasis is placed on debt reduction, creating an estate plan, establishing retirement and education savings accounts, and determining survivor life insurance needs. Fee includes online access to our financial planning portal and two financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement.  The advisor does not have discretionary authority.

The Mini Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, beneficiary review, estate plan review, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, and retirement savings vehicle comparison.

The purpose of the Mid-Career Wealth Builder Plan is to help clients balance the competing needs of funding their current lifestyle and future goals like educating their children and living comfortably in retirement. Managing debt, making a career change, starting a new business or helping aging parents are often concerns. Blended families may present budget and estate planning challenges. The plan will use a goals-based approach to help clients prioritize their savings, investment and insurance choices. Employee benefits packages will be analyzed, and personal income tax returns will be reviewed. Fee includes online access to our financial planning portal and up to four financial planning meetings during the first six (6) months of our association, commencing with the date of the signed agreement.

The Mid-Career Wealth Builder Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, employee benefits review, beneficiary review, estate plan review, personal income tax review & planning, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, retirement savings vehicle comparison, goals-based projections for retirement & major purchases, and goals-based education planning.

The retirement & income distribution plan is a comprehensive financial plan. We help you figure out when you’ll have enough financial assets to make work optional. If the client is already retired, the retirement plan will provide guidance on a sustainable level of spending. Consideration will be given to tax efficiency and optimal timing of various income sources, including Social Security, pensions, life insurance cash values and IRA distributions. Roth IRA conversions will be modeled, taking income tax and estate considerations into account. Long-term care planning and estate planning will be emphasized. Plan will include up to three different scenarios regarding retirement timing, downsizing/relocation, etc. Fee includes online access to our financial planning portal and up to six financial planning meetings during the first twelve (12) months of our association, commencing with the date of the signed agreement.  The financial advisor does not have discretionary authority.

The Retirement Income & Distribution Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, employee benefits review, beneficiary review, estate plan review, personal income tax review & planning, retirement tax arbitrage & Roth IRA conversion analysis, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, retirement savings vehicle comparison, cash Flow based projections for retirement, including a detailed income and expense budget, income taxes and a probability analysis (base case plus up to two alternate scenarios), social security analysis, pension benefit analysis, goals-based projections for retirement & major purchases, and goals-based education planning, long-term care needs, and property-casualty insurance.

The purpose of the Legacy and Wealth Transfer Plan is to help high-net-worth individuals make the most of their financial resources. Beyond the core aspects of a comprehensive financial plan, the Legacy and Wealth Transfer Plan may address issues such as business transition/succession, intergenerational wealth transfer and charitable planning. Fee includes online access to our financial planning portal and all meetings for the first six (6) months of our association, commencing with the date of this agreement.  The financial advisor does not have discretionary authority.

The Legacy & Wealth Transfer Plan includes cash reserve planning, mortgage/debt analysis, personal balance sheet, employee benefits review, beneficiary review, estate plan review, residential estate analysis, personal income tax review & planning, retirement tax arbitrage & Roth IRA conversion analysis, survivor needs analysis, asset allocation & investment selection, structuring accounts for different goals, retirement savings vehicle comparison, cash flow based projections for retirement, including a detailed income and expense budget, income taxes and a probability analysis (base case plus up to two alternate scenarios), social security analysis, pension benefit analysis, goals-based projections for retirement & major purchases, and goals-based education planning, long-term care needs, property-casualty insurance, charitable planning, business transition or succession planning, and estate & wealth transfer planning.