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The Financial Planning Process

For Young Adults some common questions are:

  • Should you buy a home or rent?
  • Should you participate in a 401(k) plan at work? Or open an IRA or Roth IRA?
  • How do you select the best investment choices inside the 401(k) plan or IRA?
  • What is the best strategy for paying off your education loans?
  • Should you consider self-employment?

For Those Raising a Family:

  • What does it really cost to raise a child?
  • How much life insurance and disability coverage do you need?
  • How do you start funding your child's college education and what type accounts are best?
  • What tax help is available for college costs?
  • How do you use credit wisely?

For Those "Middle Years”:

  • How do you re-enter the workforce after the children are raised?
  • How should your assets be positioned? Are your investments well-diversified?
  • Should you consider purchasing a second home?
  • How can you provide for your parents? How should you handle an inheritance?
  • Should you hold investments individually or jointly with a spouse or child?

The "Pre-Retirement" & Retirement Years:

  • Can your retirement income increase over the years once you retire?
  • How will you provide for medical insurance?
  • Where do you want to live for the rest of your life? 
  • Will you have enough money to retire and maintain your standard of living?
  • When should you start to draw social security benefits?
  • Should you keep your “old” 401(k) plan or do a rollover?
  • When should you take income out of your IRA's and how much?
  • What does retirement mean to you? Should you work part-time?

Estate & Legacy Planning:

  • Should you liquidate assets or start gifting assets?
  • Should you set up trusts for your spouse and children?
  • What are your choices for long-term care needs that may arise?
  • How can you create and leave a legacy to those you love?

As you can see, important financial concerns arise throughout the life cycle and require well-thought out strategies and solutions. We seek to competently and thoroughly provide those strategies and solutions.

Once you know what options are available to you, we will assist you with the decision-making and implementation of your plan. Throughout our relationship, we will continually monitor your plan's progress and your investment portfolio. When and if adjustments become necessary, we will consult directly with you to determine an appropriate course of action to be sure your plan continues to meet your specific needs.

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