Financial Planning

Cash Flow Management

  • Fill in any gaps in retirement
  • Understanding where money is going
  • Budget Planning
  • Goal Planning

Retirement Income Planning

  • Where to save money?
  • How much to save?
  • How much do you need?
  • What is your target rate of return?
  • Where to draw money from in retirement?
  • Maximum retirement spending

Tax Planning

  • Control taxes in retirement
  • Pay less tax in retirement
  • Understanding your CURRENT tax situation
  • Understanding you FUTURE tax situation
  • Legacy Planning tax efficiently
  • Understanding 401K options

Investment Planning

  • Asset location/Tax efficient
  • Tax loss harvesting
  • Rebalancing portfolio
  • Lowering costs
  • Avoiding unnecessary fees and commissions
  • Controlling risk
  • Not taking more risk than you need to
  • Truly customized investment planning
  • Show transparency
  • Understanding fees you are paying

Business/Self Employment Planning

  • Save as much as possible
  • Reduce taxes
  • Protect your assets
  • Succession Planning
  • Tax reduction strategies for selling business

Pension Analysis

  • Lump Sum vs. Annuity Option
  • Optimal pension decision
  • What options are best for YOU

Insurance Planning

  • What you need for coverage?
  • Is Long Term Care needed?
  • Can you self insurance?
  • Preparing for “God Forbid” moments
  • Preparing for unexpected
  • Are you overpaying?
  • Avoiding unnecessary products


Estate Planning

  • Avoiding probate
  • Reducing or eliminating estate taxes
  • Tax efficient wealth transfer
  • Wishes fulfilled
  • Proper assets being left tax efficiently

Social Security Planning

  • Getting proper benefit amount
  • Taking advantage of the 526 different combinations of Social Security
  • Widowed, divorced, married or single options
  • Maximizing your options
  • Giving yourself more options

Real Estate Planning

  • Avoiding unnecessary taxes
  • Help shelter more income
  • Reduce taxes on capital gains
  • Understanding optimal return
  • Increase cash flow

College Planning

  • How much to save?
  • Where to save?
  • Reduce taxes
  • Optimal strategies


  • How much can I spend in retirement?
  • When can I retire?
  • How often can I travel?
  • Where should I live?
  • How much should I save?