FIND FINANCIAL PEACE OF MIND.
FINANCIAL
PLANNING
CASH
FLOW
INVESTMENT
MANAGEMENT
TAX
PLANNING
ESTATE PLANNING
INSURANCE
ANALYSIS
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Financial Planning
The basis of everything that happens financially starts with a Financial Plan. This is a written out version of your goals, interests, assets, debts, and current financial state. This gives me a snapshot of where you are currently, but is also a moving picture to be updated over time as goals, income, savings rates, and situations evolve. From the Financial Plan, I am able to make more constructive recommendations for you moving forward.
The investment decisions that I make for a client are a direct result of the conversations we have about your goals and your Financial Plan. We’ll also consider your need to take financial risk, your appetite to take financial risk, and your ability to take financial risk, when building out the right investment mix for you. My belief is that markets are mostly efficient, and it is difficult to consistently beat the market over the long term. However, by staying invested and making strategic tweaks based on market conditions, I try to help you receive the best returns possible, for your situation.
Investment Management
Cash flow includes savings plans for those still working, and distribution plans for those who are retired. If you are retired, we’ll create a plan and talk through what you can comfortably take as income each year based on your standard of living, what you have saved, and your goals for giving later in life.
Cash Flow
Tax Planning is a year round endeavor. I want to make sure that when you file your taxes, I have already done everything in my power to keep you paying the lowest amount possible. This might include maxing out tax efficient accounts like 401k’s or HSA’s. But can also include Tax-Loss Harvesting, Roth Conversions, Charitable Giving, and Gifting.
Tax Planning
Estate Planning
Estate Planning is all about making things easier for the generation after you. It starts very simply, by making sure you have beneficiaries on all of your accounts. And gradually becomes more complex as we consider charitable goals, gifting goals, and legacy goals. Things like Donor Advised funds, Charitable Distributions from IRA’s, and different kinds of trusts come into play here.
Insurance Analysis
We review your insurance coverage to ensure it fits your financial goals and protects what matters most. Our unbiased analysis identifies gaps or overlaps and offers tailored recommendations. Integrated with your overall financial plan, our approach helps you stay protected through life’s changes-always with your best interest in mind.
"Most people overestimate what they can do in one year and underestimate what they can do in ten years"
- Bill Gates