Financial peace of mind is knowing how to support the lifestyle and the people you care about.
Our process is designed to give you the context, information and support you need to carry that peace of mind as you’re busy living.
Financial Planning
Financial Planning is the ongoing practice of evaluating three key factors:
- Where you are today financially, yes, and also…are you enjoying the ride?
- Where you want to go and who/what is there with you?
- The adjustments that will help you get there while still enjoying “today”
Throughout this process, our job is to help you maintain financial clarity providing guidance and education on how different financial levers in your life can impact your long-term picture.
Money isn’t everything. But it can determine your capacity to live the life you enjoy most as well as the legacy you leave behind for those you care about.
Every year, we’ll talk broadly about the big picture of your life. We’ll ask how things are going right now, what financial worries you have, what you imagine for the future, what lifestyle changes you want to make, what people and causes you want to support (or stop supporting), and more.
We’ll unpack the items that arise from our conversation and work together to prioritize resulting action steps. In quieter years where less is changing for you personally, we’ll continue monitoring the various areas of your financial life to keep them alignment with your needs. We’ll play quarterback for your other financial professionals whenever action is needed.
Here are core areas of planning we touch on throughout the year (tap or click each topic panel for more details):
Cash Flow Planning
Where will my income come from when I stop working?
Where can I pull cash from if there's an emergency?
How can I increase my savings or debt payments without giving up fun today?
Estate Planning
How do I make sure everyone I care about is OK if something happens to me?
Do I need to worry about estate tax?
What is the most tax-efficient way for me to split my assets between family, friends and charity when I die?
Education Planning
What's the best way to save and pay for our children's education?
Will we be eligible for financial aid?
We have family members that want to contribute to our children's education. How can we help them do that?
Retirement/Transition Planning
Do we have enough to consider quitting work?
When is the optimal time for me to draw Social Security benefits?
How much can we afford to spend on travel each year when we quit working?
Investment Management
How can we best invest our money to achieve our goals and protect our needs in the near-term?
Should we be concerned about the economy?
How will our investments turn into spendable income in the future?
Insurance & Health Care Planning
Are my assets currently protected if I'm sued?
Am I OK if something happens and I lose the ability to work for a while?
Will my spouse and family have enough money if something happens to me?
Business Planning
Am I paying myself tax-efficiently? What opportunities am I missing?
What's the most beneficial way for me to offer benefits to employees?
How can I align my business efforts with our household goals and finances?
Tax Planning
Am I tax-efficient?
How can I be tax-efficient with Social Security and retirement-plan income once I quit working?
Is there a more tax-efficient way for me to save money during my working years?
Long-Term Care Planning
Do we have enough if one of us needs ongoing care?
What happens if one of us becomes incapacitated?
I don't want to be a burden on my family if something happens to my ability to make decisions.
Cash Flow Planning
Where will my income come from when I stop working?
Where can I pull cash from if there's an emergency?
How can I increase my savings or debt payments without giving up fun in the present?
Estate Planning
How do I make sure everyone I care about is OK if something happens to me?
Do I need to worry about estate tax?
What is the most tax-efficient way for me to split my assets between family, friends and charity when I die?
Education Planning
What's the best way to save and pay for our children's education?
Will we be eligible for financial aid?
We have family members that want to contribute to our children's education. How can we help them do that?
Retirement/Transition Planning
Do we have enough to consider quitting work?
When is the optimal time for me to draw Social Security benefits?
How much can we afford to spend on travel each year when we quit working?
Investment Management
How can we best invest our money to achieve our goals and protect our needs in the near-term?
Should we be concerned about the economy?
How will our investments turn into spendable income in the future?
Insurance & Health Care Planning
Are my assets currently protected if I'm sued?
Am I OK if something happens and I lose the ability to work for a while?
Will my spouse and family have enough money if something happens to me?
Business Planning
Am I paying myself tax-efficiently? What opportunities am I missing?
What's the most beneficial way for me to offer benefits to employees?
How can I align my business efforts with our household goals and finances?
Tax Planning
Am I tax-efficient?
How can I be tax-efficient with Social Security and retirement-plan income once I quit working?
Is there a more tax-efficient way for me to save money during my working years?
Long-Term Care Planning
Do we have enough if one of us needs ongoing care?
What happens if one of us becomes incapacitated?
I don't want to be a burden on my family if something happens to my ability to make decisions.
Financial Planning Process
During the initial onboarding process, we create a basic preliminary financial plan capturing your current financial picture, goals, and higher-importance action items.
We then prioritize our way through the action items that emerge from that process, including education and discussion surrounding the role of investment management in your financial journey.
Once we’re settled in together and we’ve addressed the major action items from our initial plan, we shift to an annual service calendar.
Of course, when questions, concerns, opportunities and transition events arise, we’re here to help you dig into the details of whatever’s on your mind at any time.
Initial Consultation
2024 © All rights reserved.