Financial Planning

Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child’s education or planning for retirement.

The Benefits

Financial planning provides direction and meaning to our financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. For example, buying a particular investment product might help you pay off your mortgage faster or it might delay your retirement significantly. By viewing each financial decision as part of a whole, you can consider its long and short-term effects on your life goals. You can also adapt more easily to life changes and feel more secure that your goals are on track.

The Process

• Gathering client data, including identifying objectives/goals
• Analyzing and evaluating current financial status
• Developing and offering recommendations
• Implementing the plan
• Financial plan review/monitoring/adjustments

Financial Planning Services

• Risk Management (Disability, Life, & Long-term Care, etc.)
• Investment Evaluation (Asset Allocation, Investment Strategies, etc.)
• Tax Evaluation
• Education Funding
• Estate Planning (Wills, Trusts, POA’s, Estate Tax Liability Evaluation, Gifting Strategies, etc.)
• Wealth Transfer Planning
• Business Ownership Strategies (Buy/Sell Agreement, Succession Planning, Exit Strategy, etc.)