The pace and complexity of managing finances today can leave some people feeling unprepared and uncertain about their financial future. Our comprehensive financial planning can provide solutions that are customized to your objectives and capable of addressing a wide range of circumstances and concerns. We partner with you to better position you to pursue your financial goals and aspirations. With this process, we will aim to understand your finances from a comprehensive point of view, create integrated strategies that take all your financial activities into account, identify long-term goals and the steps needed to pursue them, and track your progress and make adjustments as you experience new life events.

Are you saving enough to maintain your current lifestyle throughout your retirement years? Is it time to increase your retirement plan contributions? Is your asset allocation consistent with your retirement planning goals? These questions are critical when you consider that savings just a little more each month could make a big difference in the amount of money you have in the future.

What would you and your family do without your paycheck? Protecting your family’s lifestyle and standard of living with disability and life insurance is paramount so you can help provide if your ability to work ends.

Another type of insurance to consider when thinking about legacy planning is long-term care. The need for long-term care can put an enormous emotional and physical strain on your loved ones and family members. By planning ahead, you can help reduce this burden.

Focusing on the long term can pay off for investors. Whether the goal is saving for a house, college, retirement or a legacy, making a long-range plan and sticking to it are important parts of an investment strategy. Risk and return tend to go hand in hand. Investments that offer higher potential returns have elevated levels of risk. In contrast, more conservative investments fluctuate very little, but they offer lower growth potential.

Why does tax planning matter? Taxes touch every part of your financial life. Your tax return is a financial fingerprint: it’s completely unique to you, complete with valuable clues and information, all of which is buried in dozens of pages and hundreds of numbers. Understanding your return equips us to have more valuable and actionable conversations with you.

What kind of opportunities might be identified? We will evaluate topics like tax efficient retirement vehicles, charitable giving strategies, realizing capital gains, Roth IRA conversions, tax credit eligibility, and more. We can run projections to see how potential changes may impact your upcoming tax liability