Our Approach to Financial Planning

We approach financial planning differently. Not only can we help you grow your money, but also help protect everything that you’ve worked so hard for – so your finances can take you further.

As we begin planning with you, we’ll make sure to understand where you are now and where you want to go. We will tailor your plan from a range of financial options designed to reinforce each other to get you there. Giving you the confidence to live the way you want now, and down the road.

Check out the video below to see for yourself.

Our Approach in Action

  

Protect

  • Disability Insurance Planning 
  • Correct Type and Amount of Life Insurance Coverage
  • Emergency Fund of 3-6 Months of Cash on Hand

Optimize

  • Target 20% of Income for Savings
  • Taking advantage of Employer Matching, Employee Stock Purchase Plan Discounts, etc...
  • Systematic Debt Elimination

Grow

Constructing Your Portfolio:

  • Tactical Asset Allocation: Modern Portfolio Theory
  • Goal Based Asset Allocation: Matching Timeframes of Investments and Goals
  • Compensating for Risk-Adjusted Rates of Return
  • Avoiding Market Timing
  • Leveraging Tax-Efficient Vehicles for Saving and Wealth Building

Distribute

Retirement distributions are designed to be:

  • Sustainable throughout anticipated retirement
  • Tax Bracket Sensitive – use IRA distributions and/or conversions to fill up bottom tax brackets
  • Multi-Dimensional – taking into account Investments, Social Security, Medicare, Required Minimum Distributions, Pensions, Annuities, Insurance, etc…
  • Hedged for Longevity – taking into account long-term care & other risks associated with living a long life.

Legacy

Our happiest clients live for a purpose bigger than themselves.

  • Define what matters & be strategic on who/what receives your money.
    • In the end, you can’t take it with you, & it either goes to family, charity, lawyers, or the government.
  • Don’t wait till the end to:
    • Invest in relationships
    • Be charitable with time & money

 

Financial Representatives do not render tax advice.  Consult with a tax professional for tax advice that is specific to your situation.