
Optimizing Your Financial Future
Your wealth goes beyond investment returns. Advanced Financial Planning focuses on your overall financial well-being. Our process is based on 3 key fundamentals: building wealth, making it tax efficient, and protecting it. With these goals in mind, we help you create a financial plan that includes investment management, advanced planning (wealth enhancement, wealth protection, wealth transfer, charitable giving, etc.), and relationship management.
Your plan is regularly reviewed with you to ensure it continues to align with your goals. Your financial needs will evolve over time. We’ll be there when they do. Our process is designed to deliver consistent and reliable guidance throughout our relationship. A well laid plan can provide you and your loved ones with a path toward financial independence, security, and a lasting legacy.
Considerations
We take the time to understand your financial situation and your goals, and to know what your money needs to do for you.
Financial Position
Financial Position
- Do you know what your money needs to do for you?
- Do you know if you are saving enough for retirement?
- Are you adequately addressing your debt? Do you have too much debt?
- Do you know the value of the business you own?
- Are you worrying about your financial security?
Adequate Protection
Adequate Protection
- Are you and your loved ones protected in case you become sick or hurt and cannot work?
- What are the impacts of your personal debt? Corporate debt?
- Are you aware of the things that could materially damage your financial well-being?
- What are you personally or professionally liable for?
- If you died, would your loved ones be financially secure?
- Have you taken steps to prevent unjust attacks on your wealth?
Wealth Accumulation and Preservation Strategies
Wealth Accumulation and Preservation Strategies
- Do you have a Trust?
- Are you saving for the short-term as well as the long-term? What is your accumulation framework?
- Do you know your current asset allocation and risk tolerance? Your rate of return?
Retirement Planning
Retirement Planning
- What will retirement cost? What is your plan to have the resources to fund your retirement?
- Are you maximizing your retirement plan contributions?
- Have you thought about your goals for when you’ve reached retirement? What will do you with your time and money?
- What will the impact of medical expenses be in retirement?
Tax Strategies
Tax Strategies
- Do you have a Trust? Will you be gifting assets?
- Are your investments tax efficient?
- Do you have an estate tax liability? Life insurance to cover estate taxes?
- Is your business tax-efficient?
Estate Planning and Wealth Transfer
Estate Planning and Wealth Transfer
- Do you have an estate planning attorney? Do you have a Will? A Trust? Designated a Power of Attorney?
- Do you know the impact your wealth will have on your heirs?
- Will your lifetime wealth be divided and used the way you’d like?
- What do you wish to do for your children? Parents and family members?
- Have you included your family in this discussion?
- Do you have a charitable gift strategy?