FINANCIAL PLANNING

Management of cash flows, budgets, and reserves is essential to the success of a financial plan. This critical process helps you fund your goals, plan for contingencies, be prepared for the unknown, and also allows you to enjoy a comfortable, purposeful lifestyle as you prepare for retirement and beyond. 

The perfect plan in the world can be destroyed entirely if you have not accounted for Death, Disability, and Accidents. A complete financial plan will quantify these risks and share ways to insure against them. 

Retirement is the one goal that we all have in common. That said, some retirement will be different. As part of the planning process, we will paint a picture of your retirement, what it will cost, and how long you are likely to live in retirement. 

Once we have determined the end goal of your financial and retirement plan, it is time to review your investments and asset allocation. We will review current investments and structure the technique for your future investments. As a Registered Investment Advisor, we are not paid commissions on investments. Our client portfolios will include Mutual Funds, ETFs, and in come cases, Individual Stocks and Bonds. 

Regardless of your wealth, you will need to do some estate planning. A typical estate plan will include the following documents:

• Will
• Durable Power of Attorney
• Health Care Power of Attorney
• Living Will/Directive of Physician
• Possibly a Trust