Financial Planning

Financial planning is the process of determining whether and how an individual can meet life goals through the proper management of financial resources. Financial planning integrates the financial planning process with the financial planning subject areas.  These are six steps to the financial planning process:

  1. Establishing and defining the client-planner relationship

  2. Gathering client data includes goals

  3. Analyze and evaluating the client’s current financial status

  4. Developing a presenting recommendations and/or alternatives

  5. Implementing the recommendations

  6. Monitoring the recommendations


Income Planning

Analyze and develop a plan that helps you understand the following:

  1. Potential Income Sources

  2. Estimate potential cash flow / distributions

  3. Determine timing and sequence of income streams

  4. Coordination of benefits

  5. Social security evaluations and recommendations

  6. Tax ramifications and strategy; review

  7. Survivor beneficiary considerations


College Funding

Ways to save and invest for future educational expenses, including:

  • 529 College savings plans

  • 529 Prepaid tuition plans

  • Educational savings accounts

  • Coverdell education savings account


401k / 403b / Pension Rollovers

When you change jobs or retire you will most likely be faced with the question of what should I do with my retirement funds?  We assist with:

  • What are you ALLOWED to do.

  • What SHOULD you do and why.

  • WHERE you should move the money.

  • How to move it correctly (without penalty).

  • Paperwork, forms, and tracking progress.

  • Completion verification.


Succession Planning

Planning is for anyone that owns or will own a closely held business interest. We help clients with the following:

  • Create an exit or retirement strategy

  • Identify potential succession or buyers

  • Consult and evaluate owner and successors

  • Assist in plan formation with legal and tax advisors

  • Estate equalization for non active family members

  • Buy / sell agreement review

  • Key employee considerations

  • Non financial evaluations


Asset Management Professional

Assistance in building or maintaining an investment portfolio, typical investments include stocks, bonds, EFT’s (exchange traded funds), options, commodities, mutual funds, real estate, investment trusts, precious metals, and alternative investments.  We help people that don’t have the time to effectively manage assets or individuals that need technical assistance in building a successful portfolio.


Legacy Planning

Is the process of deciding what impact you would like to make on others, both during your lifetime, and after your death.  This planning can benefit your family, charitable organizations, or other philanthropic groups that are important to you.  


Estate Conservation

Estate Planning includes how to create an estate for the non-wealthy as well as how to protect, preserve, and distribute wealth for the affluent.  While we do not provide specific legal advice we do help with the planning in order to cut down on the “billable hours” portion of the process.