services-The Financial Planning Process

    Solving Your Puzzle

    Your personal financial plan will vary depending on your circumstances, goals, objectives, and tolerance for risk. We will bring all the pieces of your financial puzzle together with a comprehensive plan that may include any of the following strategies:

    Retirement Planning

    You need to plan accordingly to live the lifestyle you desire in retirement. Your retirement planning may involve multiple sources of funding, including employer-sponsored plans, investment income, passive income, IRAs or similar accounts, and your own savings and investments.

    64%: The percentage of Americans who aren't prepared for retirement, according to Yahoo Finance (2019). We can help you feel confident in your planning.

    $987,000: The average cost of retirement, according to USA Today (2020)

    78.7 Years: The average life expectancy in the United States, according to the CDC (2021). We can help you plan for a retirement that may last several years.

    Estate Planning

    We will address your estate planning needs to help prepare for the next generation. While many people choose to put off thinking about the future, estate planning can help solve a number of concerns:

    Honor Your Wishes

    Estate planning can ensure that your wishes are respected and honored.

    Reduce Taxes

    Good estate planning may be able to help reduce inheritance taxes for your heirs.

    Manage Debt

    A comprehensive estate plan can help reduce debts against the estate, allowing your heirs to keep more of your wealth.

    Charitable Benefits

    Proper estate planning can help solidify family values in regards to your charitable or philanthropic desires.

    Risk Management

    You want to protect your years of hard work. Your assets may be subject to loss from natural disasters, a financial downturn, or other unexpected events. Proper risk management can help you avoid, mitigate, or insure against potential losses.

    Step 1: Identify the Risk

    The first step in risk management is to identify your potential risks. Once we understand the risks you may face, we can take steps to help manage them.

    Step 2: Mitigate the Risk

    We can help you assess your strategy and consider insurance or other strategies to help recover from potential losses.

    Risk management is about more than insurance. We also aim to prevent a loss from occurring in the first place. Prudent financial management can help us identify risks and adjust your strategy to provide for a more secure future.