FIND FINANCIAL PEACE OF MIND.
FINANCIAL
PLANNING
CASH
FLOW
INVESTMENT
MANAGEMENT
TAX
PLANNING
ESTATE PLANNING
INSURANCE
ANALYSIS
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Financial Planning
The cornerstone of virtually all successful financial journeys is a sound Financial Plan—a statement of goals, interests, risk tolerance, and snapshot of your current financial condition. I will work with you to create a Financial Plan and then update it for any changes in your personal situation. From this living document we greatly
increase your chances of financial success.
The investment recommendations that I make for a client come directly from the result of your Financial Plan. We’ll consider how much investment risk you can take, need to take, or should take, when picking appropriate investments for you. I believe that markets are efficient, and it is difficult to consistently beat the market over the long term. However, by staying invested and updating investments as your life circumstances evolve, I try to help you achieve the best returns possible, for your situation.
Investment Management
Cash flow includes savings plans for those still working, and distribution plans for those who are retired. If you are retired, we’ll create a plan and talk through what you can comfortably take as income each year based on your standard of living, what you have saved, and your goals for giving later in life. For those still saving, we'll work to make sure you can spend what you'd like while working, while putting enough savings away for the future.
Cash Flow
Tax Planning is a year-round endeavor. I want to make sure that when you file your taxes, I have already done everything in my power to to minimize your tax liability. We will thoroughly explore the tax advantages that exist in 401k's, HSA's, Roth Conversions, Charitable Giving, Gifting, and Tax Loss Carryforwards.
Tax Planning
Estate Planning
Estate Planning is all about making things easier for the generation after you. It starts very simply, by making sure you have beneficiaries on all of your accounts. And gradually becomes more complex as we consider charitable goals, gifting goals, and legacy goals. Things like Donor Advised funds, Charitable Distributions from IRA’s, and different kinds of trusts come into play here.
Insurance Analysis
We review your insurance coverage to ensure it fits your financial goals and protects against financial loss from unexpected events like injury or natural disaster. Our unbiased analysis identifies gaps or overlaps and offers tailored recommendations. Integrated with your overall financial plan, our approach helps you stay protected through life’s changes always with your best interest in mind.
"Most people overestimate what they can do in one year and underestimate what they can do in ten years"
- Bill Gates