Our Services
Remember that the first step in the process is absolutely free with no commitment required during your free consultation.
-
Retirement Planning
Retirement Goal Setting
Social Security Analysis
Cash Flow Analysis
IRA Contributions
Roth Conversions
Review of Employer-Sponsored Plans
Annuities and Pensions
RMDs and Withdrawal Strategies
Self Employed Plans
Projections and Stress Tests of your Strategy
-
Investment Planning
Portfolio Rebalancing
Asset Allocation & Location
Risk Tolerance, Risk Capacity, and Time Horizon Assessment
Withdrawal Strategies
Account Aggregation
Monitoring of Outside Accounts (401k, etc)
Review Concentrated Positions
UGMA/UTMA
-
Cash Flow & Budget
Review of Income Sources
Setting Goals, Expenses, and Budgeting
Debt Management
Review of One-Time Expenses
Planned Large Expenses
Emergency Funding
Mortgage Review
Lines of Credit
College Planning (529s, etc)
-
Tax Planning
Tax Conscious Investing
Review of Cost-Basis
Review Realized Gains
Tax Loss Harvesting
Deductions & Credits
Potential Roth Conversions
HSAs & FSAs
Tax Return Review
Tax Projections
Federal & State WIthholdings
Meeting Tax Professionals At Your Side
-
Estate Planning
Wills
Power of Attorney
Living Will
Health Care Proxy
Trusts
Irrevocable Life Insurance Trusts
Estate Taxes
Individual & Charitable Giving
Meeting Estate Attorneys At Your Side
-
Insurance Planning
Review of Existing Policies
Life Insurance Needs Analysis
Long Term Care Analysis
Disability Insurance Analysis
Health Insurance Review
Homeowner’s or Renter’s Insurance Review
Liability Coverage
Health Savings Accounts
Medicare Advice
Auto Insurance Review
Meeting Insurance Brokers At Your Side
Additional Engagement Options: We acknowledge that sometimes you want a second opinion or a comprehensive analysis of your current financial trajectory, so we offer one-time planning services. You are welcome to continue the relationship at your discretion. The fee for a one-time comprehensive plan ranges from $4,000 to $8,000, depending on the complexity of your personal financial situation. This fee will include at least two meetings (or more based upon complexity). The total fee will not exceed the rate of $400 an hour.
What We Offer
During the first year of our planning relationship, we typically meet 5 times. While these 5 meetings will vary in content based upon your unique needs, we will analyze your entire financial life with the aim of maximizing your ability to meet your financial goals. We will work with your CPAs, Attorneys, Insurance Agents, or anyone else you engage in your financial life that enhances your comfort and benefit from the interaction. This includes being present at meetings upon request as well as maintaining availability for your questions, concerns, or difficulties. We will then continue to provide ongoing planning and advice about all aspects of your finances, monitoring the performance of your plan.