At our firm, we believe that thoughtful planning is the foundation of financial success. Our planning philosophy is centered around understanding our clients' unique circumstances, goals, and dreams. We approach every client relationship with empathy, care, and a commitment to providing tailored solutions that meet their specific needs. Our team of experts takes the time to listen, gather information, and analyze data to develop a comprehensive plan that aligns with our clients' values and objectives. We believe that planning is an ongoing process, and we strive to build long-term relationships with our clients to ensure that their financial plans continue to evolve and adapt as their lives change. Our ultimate goal is to empower our clients with the knowledge and tools they need to achieve their financial goals and live the life they envision.
PROTECT
- Correct amount of insurance to protect family's lifestyle
- 3-6 Months cash in emergency fund and no credit card debt
OPTIMIZE
- -Target 20%+ savings of income
- Maximize all free money (matching, stock discounts, etc)
- Utilize tax favored vehicles (tax-deferred, roth, etc)
- Evaluate paying off debt other than mortgage
GROW
- Construct a portfolio for risk-adjusted rates of return and to avoid market-timing
- Goals-based and tactical asset allocation - match time frames of investments and goals
- Tax location - strategic location of asset classes for tax efficiency
DISTRIBUTE
- Sustainable retirement distributions throughout anticipated retirement
- Tax-bracket management (taxable vs. tax advantaged distributions)
- Multi-dimensional (considering all sources of retirement income and expenses)
- Hedged for longevity (risk of living a long life and long-term care planning
LEGACY
- Define what matters and be strategic on who/what receives your money (family/charity vs. lawyers/government)