Financial Advice and Planning
Most financial advisors manage your investments – we take it several steps further with honest financial advice and comprehensive financial planning.
Cash management
Personal financial statements, cash flow management, debt management and analysis, emergency fund, buying versus renting, and mortgage planning and analysis.
Taxes
Tax reduction and management techniques, characteristics and income taxation of business entities, tax consequences of property transactions, tax implications of special circumstances, and charitable/philanthropic contributions and deductions.
Education
Education needs analysis, education savings vehicles, financial aid, gift/income tax strategies, and education financing.
Insurance
Insurance needs analysis, analysis and evaluation of risk exposures, health insurance and healthcare cost management, disability income insurance, long-term care insurance, annuities, and life insurance.
Retirement & investments
Retirement needs analysis, social security and Medicare, types of investment risk, asset allocation and portfolio diversification, portfolio development and analysis, distribution rules and taxation, retirement income and tax calculation, and characteristics, uses, and taxation of investment vehicles.
Estate Planning
Strategies to transfer property, estate planning documents, gift and estate tax compliance and tax calculation, sources for estate liquidity, types, features, and taxation of trusts, and marital deduction.