Planning Services

As a team of CERTIFIED FINANCIAL PLANNER ™ professionals, planning is at the core of who we are and is the crux of what we do. It is the foundation for our investment recommendations and ultimately your portfolio design. Our plans are complete, looking at both sides of your balance sheet, and they include the following components, as applicable:
  • Prioritization and documentation of goals
  • Overview of personal net worth and personal balance sheet computation
  • Cash flow analysis and a review of various strategies for the efficient use of your capital.  This also includes emergency cash savings analysis.
  • Liability management including debt repayment strategies
  • Education/college planning
  • Asset allocation review and evaluation
  • Review of retirement savings strategies including financial projections of assets required at the estimated retirement date utilizing Wells Fargo Envision or Naviplan, depending upon the circumstances.
  • Retirement income and liquidity planning, including retirement readiness analysis and Social Security and pension claiming strategies.
  • Life insurance needs analysis including current policy reviews.
  • Risk analysis to assess personal exposure to financial risks and to develop a risk management plan.  This often includes a review of life insurance, long term care insurance, disability income insurance, liability insurance, and homeowners and auto policies.
  • Tax planning strategies including investment tax minimization, intra-state relocation computation, charitable giving and retirement income optimization/withdrawal strategies.
  • Sensitivity analysis including stress tests for longevity, higher inflation, higher or lower investment returns, earlier or later retirement dates, etc.
  • Health and extended care planning including a financial assessment of your health insurance/Medicare options, long term care planning and a review of the practical implications of your appointees for health issues.
  • Estate Planning Strategies, including estate valuation estimates, federal estate tax estimates, wealth-transfer goals, and explanation of estate planning strategies.
After our analysis is complete, your plan components will be integrated and prioritized into a comprehensive and personalized action plan, also called your financial operating manual. Your plan will be presented in writing (hard copy or electronic) and will be reviewed in detail with you. If necessary for the implementation of your action plan, we will coordinate with your current CPA, estate planning attorney and other trusted professionals. If you’re in need of one of these types of professionals, we’re happy to provide you with referrals. Once the plan has been presented, we will continue to work with you and monitor progress towards your stated goals.