Financial Planning


The firm offers financial planning services that help you define, clarify and prioritize your financial goals. Your financial plan is the roadmap that guides you towards achieving your personal and financial goals.We want to help you know where you are going, and how you are going to get there.

A comprehensive financial plan can include advice in some or all of the following areas, depending on your situation:

  • Cash flow and debt management
  • Investment Review/analysis
  • Retirement planning
  • Education planning
  • Income Tax planning
  • Estate planning
  • Insurance planning
  • Planned giving


Cash flow statements are important and indicate whether you are living within your means and if you have surplus cash that may be invested for future growth. Most problems that people have with debt and poor savings habits are caused by a lack of knowledge about their cash flow. We will work with you, if needed, to help you understand your current income, expenses, and debt management.

Some cash flow questions we can help you address:

  • Do I need to change my current spending habits?
  • How do I start saving for the future?
  • Will I be able to achieve my short and long-term goals?


Like most people, you are probably concerned about whether you will be able to maintain your desired standard of living during retirement. If you have already retired, you want to make sure that you will not run out of money.

Some retirement planning questions we can help you address:

  • Am I going to be able to retire when I would like?
  • How much should I be saving for retirement?
  • How much can I draw from my investment accounts without running out of money?
  • When should I begin collecting Social Security?


We will review and recommend an asset allocation based on your goals, risk tolerance, and time horizon.

Some investment questions we can help you address:

  • Do I have the right investments for my time horizon?
  • Is my asset allocation optimal for my risk tolerance?
  • Is my portfolio diversified enough?


The costs of sending your children to private school and college continue to increase more rapidly than the rate of inflation. We can work with you to help you understand your options for college funding and compare funding techniques such as 529 plans and custodial accounts. While saving for your children's education may be an important goal, we can help you determine between saving for college and saving for retirement.

Some education planning questions we can help you address:

  • How much should I save for College funding?
  • What options are available for funding college?
  • How is financial aid affected by different savings vehicles?


The basic aim of tax planning is to set up your financial affairs so as to minimize your taxes. We can work with you on tax planning strategies to help you minimize taxable income through tax avoidance and/or deferral.

Some tax planning questions we can help you address:

  • How do I save and invest in a tax-efficient manner?
  • Are my investment types located in the correct account type?
  • What strategies can I use to save on taxes?


We can analyze your current insurance coverage and can make appropriate recommendations. We can review your life, disability income, and long-term care needs and help you determine what risks you can self-insure and which you may need to purchase coverage for. We can also can review auto, homeowners, and umbrella liability policies and provide recommendations to discuss with your insurance agent.

Some insurance questions we can help you address:

  • Do I have adequate coverage to protect my family, should anything happen to me?
  • Do I have employer provided Disability insurance and if so, is it enough?
  • Do I need Long-term care insurance or should I self-insure?


We can review your current wills, trusts and durable power of attorney to ensure your estate planning documents are in place and meet your wishes. We can review beneficiary designations of retirement plans to provide the optimum transfer of assets. A good estate plan can help you to accumulate wealth, minimize estate tax, and provide a legacy to those who you care about most.

Some estate planning questions we can help you address:

  • Do I have guardianship established for my minor children?
  • If I became incapacitated, could someone take care of my financial responsibilities?
  • Are my health care wishes properly documented?

While we do not have the legal capacity to implement an estate plan, we can help you discuss your estate planning desires consistent with your objectives and make sure that they fit into your financial plan.

Everyone needs a financial plan! You are never too young or too old to begin the process. Most people don't have plans that fail --- they fail to plan.