Financial Planning and Financial Advisory Services

Comprehensive Financial Plan

The comprehensive financial plan is designed for people who would like us to analyze every aspect of their personal finances. The plan typically requires 40 hours to prepare. We cover all the topics below.

Retirement Cash Flow Projections

Includes projection of current and future cash flow needs. Using our financial planning software, we are able to model your cash flow needs through out retirement to determine how much risk you need to take with your investment portfolio to achieve your short and long term goals. This will help address the question “Do I have enough to retire?” and “How much do I need to save to retire comfortably?”

This will also analyze the consequences of changing goals (i.e. retiring early, long-term care expenses, buying a vacation home, spending more during retirement, etc.).

Pension/Social Security Analysis

Analysis of different pension options, and different Social Security planning strategies.

Education Funding Analysis

This analysis will determine if you are on track to fund your children’s education goals. We will recommend a plan to save enough for you children’s college goals.

Investment Analysis

If no retirement cash flow projection is prepared, we will make investment recommendations based on a risk profile questionnaire.
Our recommendations are focused on diversification and portfolio risk. Investment recommendations are supplemented by a detailed Morningstar analysis of individual funds, and side by side portfolio comparison.

Life Insurance Analysis

Assessment of life insurance needs, as well as assessment of appropriate insurance products.

Estate Plan Review & Outline

Second Opinion Services

Some clients, need financial planning advice in only a few areas. You can choose the topics you find of value. For people who need topic-specific financial advice, like retirement planning or investment reviews, we offer project-based services at affordable rates. We meet with you at times that are convenient for you.  Our topic specific analysis allows us to provide recommendations for improving your financial situation that can be implemented immediately.