Financial Planning

A financial plan is a strategy to help you reach your goals. Through data gathering, analysis, and guidance, we work with you to create a road map that enables you to achieve your financial objectives and ensure the efficient transfer of assets to your heirs. Financial planning is an ongoing process driven by changing needs and goals.

Comprehensive financial plans consist of the following components1:

  • Financial Management

  • Investment Planning

  • Education Planning

  • Retirement Planning

  • Risk Management

  • Estate Planning

  • Tax Planning

  • Insurance Management

  • Business Planning

1 Some above-referenced components will not be applicable to all clients. All plans are customized to the unique needs of the client.

Investment Management

Due to its distinct and complex nature, investment management is typically carved out as a separate service.  How we ultimately shape your investment portfolio is based on a collaborative effort, and the result is something we monitor regularly.  The investment recommendations and services we provide are designed to support the personal needs and goals outlined in your financial plan.

Considerations for these activities may include, but will not be limited to:

  • Investment objective: What is your goal for this portfolio?

  • Risk Tolerance: With what level of risk are you comfortable?

  • Investment selections: Where would you like to invest (e.g., stocks, bonds, CDs)?

  • Contributions/distributions:  Will you contribute to your plan over time or make one up-front investment? Will you withdraw from the portfolio or take income payments?

  • Ongoing monitoring: What level of ongoing monitoring is needed for your account(s) or investments?

With financial planning as the foundation and investment management providing the building blocks, we can work together to help you pursue your short- and long-term goals.

Asset allocation programs do not assure a profit or protect against loss in declining markets.  No program can guarantee that any objective or goal will be achieved.

Overhead view of people in a meeting