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Whether you have a question in one planning area or need help with everything, we are here for you. We promise to listen to your concerns and what you are trying to accomplish.  Our solutions are catered to each client and if we can't help you, we will direct you to another Fee-Only CFP® professional.  Below are some of the topics we can advise on.  We look forward to meeting with you and answering your questions.  

Retirement Planning

  • Project your likelihood of achieving your financial goals

  • Develop and optimize retirement saving strategies
  • Optimize social security benefits
  • Analyze pension, IRA, and other distribution strategies

Establishing Financial Goals

  • Identify and develop a plan to reach your financial goals
  • Identify resources and time needed to reach your goals

Investment Analysis

  • Develop asset allocation strategies to meet your financial goals and risk tolerance
  • Construct well-diversified portfolios utilizing low-cost investments
  • Rebalance accounts periodically

Tax Planning Strategies

  • Strategies to minimize current and future income taxes
  • Optimize distribution strategies from retirement plans

*Please check with your CPA before initiating any tax planning strategy*

Cash Flow & Debt Management

  • Determine your current surplus or deficit
  • Optimize cash flow; determine appropriate cash reserves
  • Prioritize how surplus should be used and address reducing expenses if needed
  • Guidance with which debts to pay first

College Savings  

  • Projections on future college cost
  • Recommendations on college funding vehicles

Employee Benefit Optimization

  • Review and analyze whether employee benefits are being maximized
  • Consider and recommend various benefit programs for business owners

Estate Planning  

  • Identify wealth legacy wishes
  • Confirm beneficiary designations are current
  • Discuss gifting strategies
  • Analyze current estate plan documents
  • Suggest ways to minimize or avoid future estate taxes if necessary
  • Analyze the major risks that could have an adverse impact on your financial picture
*Please consult a qualified estate planning attorney to complete this process*

Risk Management

  • Analyze the major risks that could have an adverse impact on your financial picture such as premature death, disability, and possible long- term care needs


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