Financial Planning
Tax-Smart Financial Planning Built Around Your Life
We work closely with you to build a comprehensive financial plan built around your life and goals, not financial products. The most effective financial plans serve a guide to help you make prudent decisions, track progress, handle both expected and unexpected events as you go through life, and determine if you’re on track along the way. Our team of CERTIFIED FINANCIAL PLANNER® professional advisors are here to provide support where you need it most.
Key Planning Expertise
Our advisors understand your goals and concerns may go far beyond investment returns. Preserving what you have built, minimizing unnecessary tax erosion, and creating a lasting legacy are of equal importance. As key part of the planning process, our advisors leverage expertise in an array of planning topics to develop personalized strategies tailored to the unique aspects of your life and wealth. We'll provide you with insights to understand the connections between your decisions and their impact on complex, interrelated questions.
Retirement Planning
The process starts with establishing realistic retirement goals and understanding your investment time horizon. We'll project future income needs, coordinate income sources, and create a sustainable cash flow strategy to maximize the longevity of your nest egg and help you retire with confidence.
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Tax-efficient withdrawal strategies
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Social Security optimization
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Healthcare planning
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Pension and employer benefit analysis
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Retirement income planning
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Monte Carlo analysis to stress test withdrawal rates with sequence of returns risk
How We Build Your Plan
Our process starts with building a relationship. The more complete our understanding of your life, goals, and objectives, the more comprehensive your plan will be. Whether you have a clear vision for the future or need guidance to shape it, we play a privileged role in helping our clients discover, design, and bring their possibilities to life.
Discovery
It starts with a conversation. During our first meeting, we aim to gain a comprehensive understanding of your financial goals, assets, liabilities, values, interests, time horizon, and risk tolerance. We'll request key information from you to create your plan.
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Construction of Your Plan
We'll leverage the information you provide to us and our team's financial planning expertise as we construct your plan. No two financial plans are alike, although it typically takes our team one to two weeks after receiving your information to complete, examine, and rigorously stress-test your plan.
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Evaluation and Review
We'll present your plan, results, and our analysis of your current investment portfolio. We'll walk through all key aspects of your plan, answering any questions you have. Lastly, we'll provide our recommended investment portfolio, tax strategies, and all other key tailored recommendations that will help you achieve your goals.
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Finalization
Sometimes new information comes up during the Evaluation and Review stage. If any adjustments to your plan are needed, we'll make the adjustments and deliver a revised plan. Once all aspects of your plan have been agreed upon, we'll finalize your plan and proceed to implementation.
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Implementation
We'll work together to begin implementing your financial plan. Implementation includes our client onboarding process, beginning with account opening and consolidation, followed by a portfolio transition conversation, tax considerations, and any advanced planning priorities, if applicable.
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Monitoring and Re-Evaluation
Regular reviews and adjustments keep your plan responsive to new opportunities and challenges presented, allowing you to stay on track as you navigate your financial journey. As your goals, priorities, and circumstances change, so too does your plan.
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