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 by analyzing your assets, income and expenditures to identify:
The day-to-day: What assets do you need today
The big picture: What can you do to pursue your financial goals?
We provide regular reviews and modifications, ensuring that your financial plan stays current and dynamic.
Find Your Definition of Financial Success
Everyone has their vision of financial success. For some, it’s the family vacation you’ve always dreamed of; for others, it’s ensuring financial stability throughout retirement. We help you define what financial success means to you and work with you to build the legacy you aspire to.
Choosing the right financial advisor is crucial in your journey toward financial success. We craft personalized plans to meet your specific needs, whether for individual financial planning or business financial strategies.
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.
Personalized Cash-Flow Based Planning
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.
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.
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.
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.
Why Should You Consider a Financial Advisor?
Navigating the complexities of personal finance can be overwhelming. A financial advisor can provide valuable expertise and personalized guidance to help you achieve your financial goals. Here’s why engaging with a financial advisor could be a crucial step for your financial well-being:
1. Expertise and Experience
Financial advisors bring a wealth of knowledge and experience to the table. They stay updated on market trends, tax laws, investment opportunities, and financial strategies. This expertise can help you make informed decisions and avoid common pitfalls that could impact your financial future.
2. Customized Financial Planning
Everyone’s financial situation and goals are unique. A financial advisor can create a tailored plan that aligns with your specific needs, whether you’re planning for retirement, saving for a major purchase, or managing a complex portfolio. This personalized approach ensures that your strategy reflects your aspirations and circumstances.
3. Objective Perspective
It’s easy to let emotions cloud your financial judgment, especially during market fluctuations or major life changes. A financial advisor provides an objective viewpoint, helping you stay focused on your long-term goals rather than reacting impulsively to short-term market movements.
4. Comprehensive Strategy
Managing your finances involves more than just investing. A financial advisor considers all aspects of your financial life, including budgeting, saving, tax planning, estate planning, and risk management. They can integrate these elements into a cohesive strategy that supports your overall financial health.
5. Time Savings
Financial planning requires time and effort to research, analyze, and implement strategies. By working with a financial advisor, you can delegate these tasks and focus on other important aspects of your life, knowing that your financial matters are being handled by a professional.
6. Risk Management
Investing always carries some level of risk. A financial advisor helps you understand your risk tolerance and develops strategies to manage and mitigate potential risks. This ensures that your investment approach aligns with your comfort level and financial objectives.
7. Long-Term Relationship
Building a relationship with a financial advisor can be beneficial over the long term. As your life circumstances change—whether it’s a new job, a major purchase, or retirement—your advisor can adjust your financial plan accordingly, helping you navigate transitions smoothly and stay on track.
In summary, a financial advisor can provide the expertise, personalized planning, and objective perspective needed to make informed decisions and effectively manage your financial future. Whether you’re looking to grow your wealth, plan for retirement, or simply ensure your finances are in order, a financial advisor can be a valuable partner in achieving your goals.
