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Financial Planning

We create a living and workable strategy that is unique to your family’s situation. We present multiple strategies and clearly outline your options in an integrated blueprint to benefit you and your family today and in the future. Throughout this process we provide you with the information and analysis to make informed decisions about the design, strategy and structure of your plan.
Our plans include comprehensive evaluation and analysis in the following areas:

Financial Independence and Cash Flow Planning:

Cash flow is the foundation of the financial planning process, upon which the other aspects of planning sit. Our analysis will assist you in determining how to best meet your goals. Each person has his own definition of financial independence; we will work with you to define yours, and what steps to take to establish it.

Investment Planning: Although obtaining investment information is easy, framing the right mix of asset classes, tax efficiency and risk tolerance is not. We help develop a strategy or strategies that are individually tailored to your specifications and are designed to focus on the objectives that are most important to you. These objectives often include retirement, cash flow or even charitable causes.

Legacy and Estate Planning: We provide advice on issues including property ownership, distribution strategies, estate tax reduction and tax payment techniques. We oversee the development of your Will and Trust structure to incorporate durable and resilient family governance terms and potentially charitable objectives.

Risk Management: Further analysis is provided for disability planning, survivorship planning, generational planning and long-term care planning. We focus on asset protection strategies for you and your descendants to protect against creditors, divorce, and future taxes. We work with you to design a program of insurance that meets your specific needs while being as cost effective as possible.

Tax Strategies: Business owners and high-income earners often have opportunities for mitigating their income and estate tax liability that they do not fully appreciate or utilize. We help identify, analyze and integrate the benefits to clients, and incorporate those strategies as part of the overall planning process.

Business Owner and Benefits Planning: We provide an analysis of the benefits provided by your company and determine the value and competitiveness of those benefits for you and your spouse. For business owners, we help develop mechanisms to transition the management and/or ownership to future generations in the most tax-efficient and seamless ways possible.

The process we use will help you determine the adequacy of your current situation; show you how various strategies compare to each other and their impact on your long term plans; and demonstrate what happens to your plans if you experience significant changes in your personal situation, tax laws or the economy.


Our Process

The path towards a successful financial future requires a clear vision, a comprehensive and detailed plan, and a coordinated team. Taking every factor of this process into account, we construct a structure for building and retaining wealth. Our approach to planning incorporates a variety of facets, including legacy planning, investment strategies, risk assessment and mitigation, and business succession planning.

Phase One: Data Gathering
The process starts with a meeting to capture your personal and financial goals and identify obstacles and opportunities. We clarify and document how you measure success, how we will best work together, and ensure we build a blueprint that best suits your core personal and financial needs.

Phase Two: Overview, Analysis and Proposal
Once your goals have been established and financial documents collected, we will present an overview of our financial assessment. We outline the financial focus areas we will address and how we will manage specific deliverables and timelines.

Phase Three: Strategy
We work together to navigate your unique personal and financial goals. We discuss your vision for the future, your current situation, and how we work towards achieving that vision through four focus areas including: Legacy, Investment, Financial Independence, and Business Exit Planning.

Areas of Focus

  • Legacy Planning
    Assessment of your wills and trusts, life insurance policies, disability and long term care insurances. All are reviewed and measured against your survivor needs and distribution objectives. We incorporate your objectives for family governance, asset protection and charity.
  • Personal and Business Investment
    Evaluation of your personal risk tolerance, time horizons, current risk exposure, and portfolio construction. Alignment of your investments with goals, values, and time horizons.
  • Financial Independence
    Review of your financial vision and values to determine your financial independence threshold.
  • Business Exit Planning
    We look at your business interests as a key financial asset and evaluate various exit strategies, deferred compensation solutions, and tax advantaged strategies tailored to your business.

Phase Four: Implementation
Having completed the focused planning components, we move into the implementation phase of your strategy. In partnership with you, your tax and legal advisors as needed, we deploy the wealth solutions in a timely and efficient manner.

Phase Five: Review
We meet regularly to reflect, review, and discuss your plans. To best serve you and your family, the review process provides dynamic, relevant financial strategies that evolve with your changing needs and goals.

  • Annual schedule of events
  • Regular reviews of all financial vehicles
  • Legacy Plan review
  • Vaulting of important documents
  • Tax law review and strategy alignment