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Financial Planning

Financial planning is a continuous process throughout the client relationship which typically includes the following areas:

TAX PLANNING

We believe tax planning is crucial to a successful financial plan. Not only to optimize deductions and tax savings ideas, but also to efficiently invest for the maximum net return. For example, we look carefully at which type of account should hold certain investments to maximize the net after-tax return.

RETIREMENT PLANNING

We want to make sure our clients take advantage of all tools available for a successful retirement. This includes maximizing all employee benefits and choosing the right investment allocation (mix of stocks and bonds). We will use a sophisticated retirement model to evaluate if you are on the right path to a financially healthy retirement.

ESTATE PLANNING

We will annually review our client’s wills and beneficiary designations. This includes checking with the client to see that the estate plan is consistent with their current wishes along with gifting strategies and more complex structures as needed.

EDUCATION PLANNING

We help navigate 529 plans, Coverdale Education Savings Accounts, education tax deductions and credits.

RISK MANAGEMENT

Although we do not sell insurance products, we review existing policies and needs and recommend changes where appropriate. This includes life insurance, disability insurance, long term care, and umbrella policies.

CASH & DEBT MANAGEMENT

This includes bill paying and budgeting advice.

WITHDRAWAL STRATEGIES

Once retired, we incorporate withdrawal strategies into the financial plan to make sure is uses the most tax efficient means to distribute income based on each client’s unique tax situation.

PHILANTHROPY

If a client is charitably inclined, we will spend time looking for the most efficient ways to give to charities they support.