Your financial plan is the comprehensive roadmap that will guide your financial life and includes investment management, tax planning, cash flow analysis, risk tolerance assessment and estate planning considerations. We start each financial plan by determining where you are today:

Wealth Creation: For most people, this is the time in their life when they are actively earning and adding to their wealth and investments.

Wealth Preservation: During this phase, typically considered retirement, most people are leveraging their created wealth to provide for their desired lifestyle.

Wealth Distribution: There are many ways to transfer wealth such as through wills, trusts, charitable giving and more. While wealth distribution can occur during the two phases above, most plan for wealth transfer to occur after their passing.

Once we determine where you are and where you would like to go, we’ll work with you to analyze your income and cash flow needs, keeping in mind common financial plan elements such as:

  • Retirement and education funding
  • Insurance needs and asset protection
  • Tax, estate and long-term care planning
  • Charitable giving
  • Wealth distribution