Financial Planning
Live your life by Design, Not by Default
Our team of financial planning professionals will design a plan that evaluates your current situation, helps you develop a plan based upon your values and what’s most important to you, so you have a purpose-driven life that’s fulfilling.
Discover your True Wealth
What is your true wealth? We walk our clients through exercises to help them develop what’s most important to them and then build goals around what’s most important to them. We do this through active listening to understand you and what’s important.
Selecting the right financial advisor is an essential step in your pursuit of true wealth. We build a customized plan for whatever your needs, including individual financial planning and business planning.
Financial Planning for Individuals
We provide you with a wide variety of investment options that align with your goals. We always act in your best interests, which means your goals drive your investments – and not the other way around. We look at financial planning from four angles:
ASSESSMENT
We will help you bring your risk, current financial situation and spending into focus.
SOCIAL SECURITY ANALYSIS
In-depth analysis of available Social Security claiming options.
RISK MANAGEMENT PLANNING
Comprehensive analysis of life, disability, long-term care and other risk management solutions.
Financial Planning for Businesses
Do you know what your business is worth? Do you have a succession plan in place if something unexpected happens? How will the sale of your business affect your retirement? Our financial planners can help you answer these questions, with a focus on four areas of business financial planning:
INDIVIDUAL PLANNING
Your business is part of your individual financial plan – and a key asset in your life.
BUSINESS VALUATION
Determine an accurate valuation of your business to incorporate into your personalized financial plan.
TAX EFFICIENCY
We help you make tax efficient decisions today rather than when it comes time to file.
SUCCESSION PLANNING
Understanding what happens to your business when you’re gone is vital to financial planning.
Risk Management
Our team identifies risks that could tremendously impair your financial situation. While it’s important to focus on what may go right with your situation, it’s also crucial to consider how you may be negatively impacted without protections in place. Transferring risk to the deeper pockets of an insurance company in a cost-effective manner may be prudent to minimize the financial damage of a catastrophic, unanticipated event.
Some of the ways we utilize insurance in the financial planning process include:
LIFE INSURANCE
Considers income replacement as well as business succession funding and estate planning through a vehicle which may be income tax and estate tax-free, if structured properly.
DISABILITY INSURANCE
Protects your income in the event of your inability to work prior to financial freedom.
LONG-TERM CARE
Provides financial support for activities of daily living in respite care, adult day care, in-home care, assisted living and nursing home care.