Comprehensive Financial Planning

We know that wealth planning is not only about money. We align your goals and objectives with your financial position to help you achieve the life you want to live. Depending on each client's individual needs, we analyze and make recommendations in the following six areas:

• Financial Position - determine net worth, cash flow and debt management
• Risk Management - address risk exposures to an unexpected loss or event and explore certain vehicles such as life, disability and long-term care insurance to minimize loss
• Investment Planning - develop strategies for wealth accumulation, investments, asset allocation, goal funding
• Tax Management - develop strategies to minimize income and estate tax
• Retirement Planning - plan for adequate income during retirement years and devise strategies for income distribution by coordinating government and employer benefits with individual retirement savings
• Estate Planning - develop strategies to meet estate planning goals such as charitable giving, estate equalization, wealth preservation, trust utilization and tax consequence