Planning

Compiling information from bank accounts, credit card accounts, investment accounts, outside plan sponsored retirement accounts and other consumer accounts in a single place.

“We organize your accounts in an understandable and holistic way to offer efficient financial planning and overall investment allocation.”

Determining the right level and types of coverages, weighing costs vs. benefit and examining exclusions

“Insurance is a vital tool for ensuring that you and your family are secure in your financial goals. We look at the benefits of consolidating policies and using the excess cash flow to pay for enhanced benefits for you and your loved ones. “

Guidance to tax-efficiently optimize the available options from college savings plans, student loans, retirement account offsets and income shifting

“If you ‘overspend’ on your children’s with education costs, you could damage your ability to retire comfortably at a reasonable age. We develop strategies appropriate to your unique situation to make the most of traditional funding vehicles and tax savings to balance the full range of your educational funding needs.”

Strategic planning to eliminate high-interest, unsecured debt and using liability debt payments to work toward your financial goals

“We evaluate your entire current financial situation, not just your liabilities, to create a plan that most efficiently gets you on the correct path that supports your longterm planning goals.”

Developing a plan to create affordable liquidity that does not sacrifice potential asset growth or long-term financial planning goals

“Effective financial planning is not just about your assets. We show you how efficient debt financing can be a vital component of growing your net worth, improving cash flow and accomplishing your long-term planning goals.”

Planning for life after income-producing work ends to understand when you will quit working, where and how you will live, and how you can provide the best, tax-efficient level of income for yourself

“Whether you are just starting out in life or enjoying your post retirement years, we can help you understand and plan for the best use of your income, assets and opportunities.”

Evaluating IRA rollover options, including beneficiary designations, to meet retirement income goals and minimize income and estate taxes.

“We look at all potential scenarios to create a tax-efficient plan for how you should utilize retirement savings and income to ensure longterm security and cash flow.”

Timing and prioritizing the distribution and liquidation of tax-deferred and taxable retirement funds

“We strive to minimize tax consequences and maximize compound growth throughout your retirement.”

Custom cost-benefit analyses of the effects of structuring and claiming benefits as part of your broader financial picture

“We help you understand the many factors that affect how much you could benefit from the Social Security program, from structuring employer-sponsored healthcare contributions during your earning years to delaying benefit claims that could put you in an unfavorable tax bracket”