Financial Planning Services
Retirement Planning
Most people call it Retirement Planning. I think of it as planning for financial independence. Whether you envision continuing to work, shifting to semi-retirement, volunteering, or traveling the world, you need a plan to know when you can confidently make those choices. I analyze cash flows, savings targets across retirement and non-retirement accounts; build multiple scenarios; run stress test; and evaluate probability of success. Yes - I dive into the details.
Tax Planning
Tax planning is very different than tax preparation. It requires big picture understanding to create a long-term strategy. Then, the knowledge and tools to execute that strategy each year to realize tax efficiency.
Education Planning
Education cost in the United States is no joke. Whether you intend to have your children go to private schools during K-12, public or private universities, in state, out of state, ivy league or some combination, it will require understanding and planning. This goal is often a priority for families and should be treated like it.
Estate Planning
Not a fun topic to think about or discuss. However, leaving loved ones with an unnecessary burden is the reality of ignoring proper estate planning. Even something as simple as checking and updating beneficiary designations can make a big difference. I will help you to understand the principles and priorities, to interface with your estate planning attorney to execute documents, and to monitor/adjust the plan over time.
Risk Management Planning
Risk Management Planning is another way to introduce the word, insurance. Life, liability, healthcare, auto, homeowner’s insurance, etc. is not an exciting conversation starter. Although I do not get compensated in any way for you having insurance, it is an important part of your overall plan, and I can help you evaluate whether you are adequately protected.
Investment Planning
Many financial advisors start with talking about investments. Traditionally, that’s the only service people think of when talking about financial advisors. If you’ve read this far, you already know that is not true with me. However, creating an investment strategy to pair with your respective goals is a powerful instrument to help you achieve them. I will collaborate with you to develop the appropriate investment plan considering risks, timeframes, tax efficiency, and expected returns.
Ongoing Management
Bringing it together, executing, and monitoring the financial plan over time is critical to its success. Life is a journey and so is financial planning. In both, it helps to create a path but the ability and freedom to pivot and adapt is necessary. I am proud to serve as your partner in your financial planning journey.
