Our financial planning process is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information and analysis are considered as they impact and are impacted by the entire financial and life situation of the client.
Personal:We want to know everything about you. Our Wealth Coordinators will review family records, budgeting, personal liability, estate information and financial goals. This should give us the blueprint to creating the necessities of your plan.
Tax & Cash Flow:We analyze the client’s income tax, spending and future planning for all sorts of scenarios and time frames; then illustrate the impact of various investments on the client's current income tax and future tax liabilities.
Investments:Our team wants to ensure your investments are aligned with your needs and objectives. We analyze a variety of investment alternatives and the potential effect they may have on the client's portfolio.
Insurance:All existing policies are reviewed to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.
Retirement:Retirement has to be planned for. We analyze current investment strategies and plans to help our client achieve a life-time without surprises.
Death & Disability:We review the variety of needs that may effect a client or their family following the passing of a loved one. One needs to consider income needs of surviving dependents, estate planning and disability income.
Estate:We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid and elder law.
Bringing Together Experienced Independent Financial Professionals
We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, returns objectives and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client, and prepare a comprehensive written report. Should the client choose to implement the recommendations contained in the plan, we work closely with your attorney, accountant or insurance agent. Implementation of financial plan recommendations is entirely at the client's discretion.