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FINANCIAL PLANNING

Our holistic approach to financial planning incorporates all aspects of your financial life. We hold ongoing conversations about the milestones you foresee for your life – marriage, children, career change, retirement – and we create strategies to help you prepare for every step of the way. The result is a customized blueprint so you can more efficiently build your wealth and surpass your goals and needs. We work with you to meet a wide range of needs, including:

Budgeting and Saving

We all crave financial independence, and saving money is the key to achieving this. The earlier you get started, the better, especially when it comes to planning for retirement. However, the idea of saving can be overwhelming, especially when it seems as if you’re not saving enough to have an effect or that you don’t have enough money to put away. We can work with you to create a budget that will not only help you start your savings but will also help you meet your other short- and long-term goals.

Retirement Planning

As you grow older, you’ll probably find your views on retirement planning changing. If you’re a young professional, retirement may seem so far off that planning feels unnecessary, but the earlier you get started, the more likely you’ll be able to enjoy a future life of freedom. Meanwhile, thriving professionals are likely to be thinking more seriously about retirement and want to learn how they can maximize their contributions while minimizing taxes. If you’re close to retirement, you may be seeking reassurance that you’ve saved enough to support the lifestyle you envision. Regardless of where you are in your journey, we work with you to create a customized retirement plan that outlines when you will be able to retire and the income and assets that will support you. As your life changes, your customized plan adjusts to meet your needs.

Investment Management

Your best chance at building wealth through the capital markets is to avoid common mistakes in the beginning and utilize a well-planned, disciplined, long-term approach to investing. The key is a well-diversified, customized portfolio that focuses on tax efficiency, cost-effectiveness and risk management. We customized everything we do, and that includes investment portfolios. We create and manage investment models tailored to your goals, timelines and evolving life circumstances.

Tax Planning

Many financial planners don’t emphasize tax planning and that can be a costly mistake, as taxes are a significant factor in building wealth. Our tax planning isn’t a one-time service, it’s ongoing. We help you review the tax implications of financial decisions, including the types of retirement plans you can choose and the capital gains you can incur.

Estate Planning

Having an estate plan is an essential part of responsible financial management. Should you become incapacitated, you want someone who you trust to make medical and financial decisions for you. When you pass away, you want to make sure your assets go to your loved ones and charities as you would have wished.