Do you know your income, expenses, and have a plan to address the difference?

• We review current and future inflows and outflows to help you determine how much and where to save when there's surplus and how to best prepare for deficits.

How much do you need to retire comfortably?

• We prepare projections to assess the long-term strength and stability of your plan.

• Discuss various ways to improve your trajectory and explore your capacity to pursue other goals, whether it be your ability to retire earlier, purchase a vacation home, or increase your generosity.

• Review Social Security strategies and recommend which accounts to draw from in retirement.

Are there ways to reduce your taxes within the parameters of the law?

• We build tax projections to ensure your withholdings or estimated payments are appropriate to avoid a surprise liability or underpayment penalty when you file.

• Identify opportunities to lower your tax burden, either now or in the future, and proactively review potential legislation changes to help you capitalize on more friendly rates.

What happens to your wealth if something happens to you?

• We review existing documents (wills, trusts, powers of attorney, etc.) to ensure your wealth transfers consistent with your goals.

• Coordinate with you and an attorney to update your plan when needed.

• Ensure you are using the right tools to allow for a cost- and tax-efficient estate settlement.

• Confirm the titling and beneficiary designations of your assets are compatible with your estate documents.

Wondering if and how you should save for your children or grandchildren’s education?

• We analyze where and how much to save to help you reach your education funding goals.

Do you have a plan for life’s unexpected or unwanted events?

• We assess your need for insurance (life, disability, long-term care, and property and casualty) and determine which type(s) are most appropriate for your situation.

• Examine the health and need of existing policies and review your options if a change is warranted.

• We do not sell any products, but we can connect you with an expert in this field to help with implementation.

Curious if there are ways to help your charitable gifts go further?

• We explore ways to accomplish your giving in more tax-efficient ways, including donor-advised funds, bunching, and appreciated asset giving.

• Review how to best incorporate charitable gifts into your estate plan.

Are you invested in a way that will allow you to efficiently and effectively reach your goals?

• We help clients determine an appropriate allocation to stocks, bonds, and cash depending on their goals, time horizons, and risk appetite.

• Help open the appropriate types of accounts (trust, individual, joint, IRA, Roth, etc.).

• Giving careful attention to the tax implications of portfolio management, we purchase, sell, rebalance, and tax-loss harvest accordingly.

• Advise on the allocation of employer sponsored plans, such as 401(k)'s and 403(b)'s.