Financial Planning

To maximize your potential for success in all areas of your financial life, we take a comprehensive approach. Depending on your needs, your financial plan may include:

Wealth Enhancement

- Managing resources so as to fund multiple goals, from college funding to retirement planning and beyond (and understanding if there will be tradeoffs between them, what your options could be)

- Retirement income planning - structuring your investment portfolio so as to fund your desired lifestyle without taking more risks than necessary to attain your goals

(we calculate a sustainable withdrawal schedule from your portfolio and also advise you on maximizing your social security benefits)

- Tax planning and achieving tax efficiencies within your portfolios

- Cash flow – debt reduction, savings, income

- Simplifying your financial life – including the ability to view all of your accounts from banking to loans to investments by a single and secure internet log in.

Wealth and Income Protection

- Protecting your wealth against catastrophic losses, an extended illness or disability and identity fraud.

- Needs assessment – how much disability, life and long term care insurance is enough, and what are competitive rates? (because we do not sell any commissioned products, you will benefit from our objective opinion to guide your decisions in consultation with your licensed insurance broker or those we recommend).

- Business owners – considering business structures that can protect your personal assets from liability (in consultation with your attorney or those we can recommend).

Wealth Transfer

- Complex estate planning and gifting strategies – for estates that are large enough to be subject to federal estate tax or where special considerations exist such as a special needs family member or previous marriages

- Simpler estate planning and gifting strategies – for smaller estates proper planning is still the most effective way to help ensure that you are able to provide for the financial health and well-being of your family and is a gift to your heirs by making it easier for them to sort out your affairs after you're gone.

- For California residents, avoiding the expense of probate (regardless of whether the federal estate tax will apply) by utilizing a living trust (or more complex trusts, as dictated by the size and complexity of your estate).