What do I want to accomplish with my life?
What is my legacy? What will my impact be?
Who is important in my life? Family? Friends? Organizations? Charities? Businesses?
Am I balancing my commitment of time and resources to each appropriately?
Where are all of my assets and liabilities located?
How do these assets and liabilities interact with each other from a risk perspective?
What is the probability that I’m able to achieve my goals?
Are there opportunities to lower my tax bill, either today or in the future?
How does a new opportunity or expense impact my larger plan?
Who is helping me make decisions in my financial life?
Your life cannot be summarized on a static sheet of paper, and neither should your financial future. We use industry-leading technology to create a dynamic financial plan that grows as you grow. Through our planning process, we create simple actionable steps to help you realize your future financial goals.
Where does my purpose come from today? If work, what will give me purpose after I’m no longer working?
Who are the people I want to surround myself with in retirement? What do I want to accomplish? Where do I want to go?
How do I view retirement? Is it with fear? Is it with anticipation? Are my feelings towards retirement healthy, or do they cause me stress?
Where will my next paycheck come from after I retire?
What’s the right decision when it comes to Social Security and Medicare?
How do I strategize retirement income in the most tax-efficient manner?
Are there certain dates or ages that I need to be aware of in retirement?
Who is helping me make decisions in these areas?
Planning for retirement is more than just a number. Understanding your unique goals and aspirations, paired with navigating tax law and income sources is a careful balance that is best understood through a plan. We work with you to help you realize your desired retirement experience, without the stress of money.
What will my (or my children’s) careers look like?
What type of degree or training do I (or my children) need in order to pursue this career/job/business?
What are the best ways of getting this degree or training?
What will education cost in the future?
How am I going to afford these costs for myself, my children, or my grandchildren?
How’s the best way to save for future expenses while minimizing taxes today and in the future?
Who is helping me answer these questions?
Higher Education costs have grown significantly, as has the level of student debt. Preparing for these costs starts years before. We help you understand the costs and the best strategies to help you prepare for your children’s and grandchildren’s future.
How will you look back on your life when you get to the end?
What would you like your impact and legacy to look like?
How can you begin creating this vision today?
Who are the most important people or organizations in that legacy?
Who or what do I need to protect should something happen to me?
How do charities fit into my estate plan?
What are estate taxes, and how do estate taxes impact me?
When is the ideal time to transfer or gift assets?
What is the best way to structure my assets?
How do my estate decisions impact taxes for me or others?
Who is helping me manage the complexities of my estate?
We will all leave an impact in this world that stretches beyond our lifetimes. Planning for this impact should be done well in advance, taking advantage of the nuances of tax law and investment vehicles. Most importantly, it should be done with your loved ones in mind – family, friends, and the organizations that will help carry your legacy forward.
Who or what is most important to me?
How am I protecting those I love should something happen to me?
What is the best way to ensure my family doesn’t bear unnecessary financial hardship should something happen to me?
What is the purpose of insurance?
Will I ever be self-insured?
How will estate taxes impact my family, and am I prepared for these?
Are there better options than those I’m currently doing?
How much should I be spending on insurance?
Is my insurance through work enough?
Who do I trust to help me with these decisions?
Preparing for your future should have a provision for life's unforeseen events. With careful planning we put together inexpensive strategies that will protect yourself and your family. This allows you to focus on living life to the fullest today.
What is my vision for my business?
How do I view my role as business owner?
How will my business (and my decisions involving my business) impact my community, my customers/clients/patients, and my employees?
How do I work with my business partners? How do I bring on new partners?
What is the ideal business structure for my situation?
How profitable is my business?
What key financial metrics should I be tracking? How could I make better decisions based on this data?
Will my business survive if I don’t show up to work tomorrow?
Do I have a succession or buy-out plan started in my business? If so, is it healthy and set-up to succeed? If not, where do I start?
Do I have key employees, stakeholders, or business relationships that I need to protect?
How will I provide benefits to my employees?
How do I balance my business and my family?
How can I lower my tax bill today and in the future?
Who is helping me work ON the business and not IN the business?
Business owners face an array of complex situations and challenges, all of which present tax and financial planning opportunities. We partner with you to help you forecast your business’s financial future, understand tax strategies, and provide a workplace that is fulfilling for you and your employees.
Financial planning is more than investment management. We help you create a thorough, intentional plan that takes into account all variables that come with retirement by answering & solving key questions.