Whether you’re building your wealth, sustaining your lifestyle, or passing it on to the next generation, our Financial Planning Group takes a coordinated approach, working with both your internal team and external professionals to help you achieve your short- and long-term goals.
From saving for education and planning for retirement to managing taxes and reviewing your estate plan, we’ll create a comprehensive financial plan that will achieve what matters most to you, providing you with confidence today and clarity for a financially secure tomorrow.
Our team of seasoned wealth management professionals look at your whole financial picture and get to know you and your goals for the wealth you're trying to create, build, and protect.
Risk extends beyond market volatility. We provide valuable insight into the importance of protecting against various types of financial, health and legal risks.
Asset Allocation Analysis
By analyzing the structure and risk characteristics of your overall portfolio, we will guide you towards an appropriate mix of growth and income producing assets across all of your accounts.
We will help provide a roadmap and address critical issues such as maximum lifestyle affordability and tax efficient withdrawal strategies The considerations can be vast and complicated especially when combined with risk factors such as longevity, inflation, and market volatility.
Cash Flow Analysis
Based on your cash flow analysis, we can deliver actionable insights that help you make informed decisions at key turning points in your financial life.
Planning for and mitigating the impact of taxes is a central focus. Being strategic about the taxes you pay can have a significant positive impact towards achieving your goals.
We can analyze multi-generational wealth transfer and philanthropic giving strategies. We focus on your values and priorities to have a deeper understanding of what you want to leave for the next generation and/or charitable organization.
Financial Life Cycle: Mapping Your Major Life Cycle Events to Financial Planing
Proactive, comprehensive live cycle financial planning is a dynamic process. It preempts costly oversights, increases your net worth, and funds your future.
Example Major Life Cycle Events
What are the Elements of Dynamic Financial Planning?
Event-driven Planning to Preserve Your Wealth and Expand Your Options
Balancing Among Investments & Planning Tools for Integrated Risk/Reward Management
Ongoing Coordination with Other Professionals (attorneys, accountants)
Periodic Portfolio/Planning Assessments to Address Non-Major Life Changes & Market Opportunities
Financial Planning is a Collaborative & Interactive Process
Step 1: We’ll work together to develop a comprehensive understanding of your Personal and Financial Circumstances, incorporating both Qualitative and Quantitative data. This may include completing a Financial Planning Questionnaire providing account statements, asset valuations, estate planning documents, explaining family dynamics and history, etc…
Step 2: We’ll help you to Identify and prioritize both short and long-term goals.
Step 3: By Analyzing your Current Course of Action we’ll develop Your Financial Base Line. Next, we’ll analyze Potential Alternative Course(s) of Action to determine if the suggested changes will impede or improve your progress towards goal, adding clarity to decision making.
Step 4: The Financial Planning Group will develop comprehensive Financial Planning Recommendation(s).
Step 5: We will discuss the Planning Recommendation(s) thoroughly to ensure all parties are in agreement about next steps, time frames on completing steps and check-in points to assess progress. Accountability is a key component of achieving financial planning success!
Step 6: We will work with you and your other financial professionals (such as your CPA, Attorney, Insurance Agent, etc…) to Implement all Planning Recommendation(s).
Step 7: Ongoing, we’ll monitor the progress of your financial plan, meet regularly to ensure you’re on track to meet goals, and update your plan as needed.
The Accumulation Phase of Financial Planning refers to the period when an individual is building their net worth through savings & investing. This is typically the longest part of the investment lifecycle, spanning over 35-40 years and making it important to have a solid strategy in place.
Someone’s sitting in the shade today because someone planted a tree a long time ago.
- Warren Buffet
The Distribution Phase of Financial Planning typically starts at retirement when an individual starts converting savings and investments into income needed to support their lifestyle. Distribution planning should consider sustainable withdrawal rates and the impact of variable expenses often incurred later in life.