Our Services

COMPREHENSIVE, HOLISTIC FINANCIAL PLANNING


Under this plan, we work with our clients to integrate all facets of their financial lives with their goals & values.  We believe this holistic approach is very helpful in establishing a plan that will succeed.  We assist our clients through the entire process as they review & implement our recommendations.

The following would constitute the product of your written personal financial plan:

1. An explicit documentation of your financial objectives which will serve as the fundamental blueprint for your financial plan.
2. Organize and document pertinent family information.
3. An evaluation of your current financial condition with an assessment of the asset values currently owned and the liability claims against those assets, the difference being your net worth as of the valuation.
4. Analysis of your cash flow to meet cost-of-living needs in the event of a disability under your present benefits and expected expenditures.
5. Preparation of a personal monthly budget reflecting expenditure levels consistent with your financial plan.
6. A determination of the feasibility of achieving your retirement financial objectives based upon alternative economic scenarios.
7. A determination of the feasibility of achieving financial security within your stated time frame and at a defined level of financial independence.
8. A review of your federal income tax status to determine the extent of your tax planning needs.
9. An assessment of your current investment portfolio attempting to ascertain current and expected returns, diversification, degree of acceptable risk, and description of the investment vehicles currently employed.
10. An assessment of your perceptions and views of risk with a spectrum of alternative approaches available to you based upon your risk posture.
11. A review of insurance coverages, to include life, auto, medical, personal liability and other specialized forms of insurance potentially relevant to your financial situation.
12. A determination of the feasibility of achieving educational funding objectives for your children or grandchildren.
13. An outline of recommendations which you may consider implementing in order to  optimize your financial planning.