Financial Planning Advice
Financial planning is the process of charting the course that takes you from where you are to where you want to go. We help you articulate your goals, examine your current situation, and make realistic projections for the future. Your comprehensive plan will encompass all the areas of your financial life, working together toward attaining your financial and life goals.
We make our investment recommendations based on a range of factors, including your goals, comfort level with investment risk, cash flow needs, and taxes. You will always remain in control, as we do not take possession of your money. You will always know where your investments stand, through regular meetings, proactive recommendations, and quarterly investment reports.
Retirement Planning and Review
Whether you are already retired or plan to work for a few more years, you need a realistic projection of your retirement income to help set expectations for the future. We analyze your projected income sources and expenses in retirement and provide recommendations on everything from Social Security and taxes to IRA distributions and estate plans to help you achieve your desired lifestyle.
Our no-cost, no-obligation meeting will allow you to learn about our services and costs, and help us to get to know you and your financial situation. We will provide you with the information you need to make a decision about working with us.
Let’s move forward together.
Once you have made a decision, we will start the planning process by having you complete our Investment Advisory Agreement and Investment Advisory Questionnaires. These, along with other documents you provide, will help us craft your comprehensive financial plan.
When it comes to your investments, we adhere to the following principles:
Take no more risk than is necessary to accomplish your goals. Tax savings take second place to sound economics in an investment.
- Consider the complete cost before getting into an investment, including commissions, fees, and management expenses.
Investment diversification is key to both growth and capital preservation, especially in today’s uncertain economic environment. In the stock and bond categories, we primarily use a “portfolio” of true no-load mutual funds. Because of our careful selection of mutual funds, our clients, in effect, employ the top investment managers.
In addition to careful selection, we will make ongoing evaluations of each mutual fund in which you are invested. When changes appear advisable, we will notify you and give assistance in making the change. You always maintain control over your investments.