Our financial planning process is easy and confidential. The six steps that seek to establish a base line for your financial well-being for years to come are:

  1. We review your overall personal financial situation- past and present-to discover your financial objectives
  2. We help you set your priorities for the future- education costs, retirement, or appropriate investments
  3. We help you determine the degree of risk you are comfortable with when it comes to your money. Risk is balanced against your desire to make your money grow over time
  4. We identify the resources you will need to pursue your goals and outline a systematic program to help enable you to manage tomorrow’s objectives
  5. We offer strategies for pursuing your goals by making recommendations of the types of financial investments more suitable to your needs
  6. We help you monitor and update plan recommendations annually

Specific planning assistance is available to:

  • Review your present portfolio and make recommendations for the allocation of your assets based on your investment objectives and risk tolerance.
  • Plan to accumulate funds for your retirement. Or, if you are already retired, determine whether you have adequate income. (We also can help develop a plan for investing lump sums received from a retirement plan and review the tax impact of different options).
  • Analyze your life insurance needs to protect your family and your estate.
  • Establish a program to help meet the cost of educating your children (or grandchildren).
  • Provide planning for your estate and strategies to efficiently pass assets to heirs and other beneficiaries.

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