Every individual, and family has different goals and financial concerns. Our team is here to guide you every step of the way, and will design a financial plan that addresses the questions that can have the greatest impact on your financial future such as:

• Based on my income needs and current savings, at what age should I retire?
• Is a Roth IRA or Roth Conversion something I should be considering?
• How much can I safely withdraw from my retirement portfolio without worrying that I will run out of money?
• How do I manage conflicting goals such as funding a child’s education, buying a second home, starting a business, and retirement?
• How will selling real estate, a business, or a concentrated investment affect my financial plan? What are the tax considerations?
• Does it make sense to pay off my mortgage? 
• What is the impact of relocating abroad for retirement on my financial plan?
  
• Do I have enough insurance to protect my family?
• How will inflation or interest rates impact my retirement?
• How do I get back on track after my divorce?
• Are my investments in line with my risk tolerance and future goals?
• What is the best way to save for, and pay for college?
• How should I protect my family in the event that something happens to me?
• Will my savings last me through retirement?
• When should I start taking Social Security?

These are just some of the questions we help our clients answer so they can feel more confident about their financial future.

Comprehensive financial planning is provided for a fixed fee generally ranging from $7,500 to $25,000, based on the complexity and scope of your financial situation. 

Depending on your circumstances, our planning process may include:

Goals and Savings Analysis 

Evaluating your financial objectives and whether your current savings strategy is on track to support them.

Cash Flow and Retirement Income Planning 

Modeling spending and income needs before and throughout retirement.

Social Security and Income Strategy 

Evaluating Social Security timing alongside pensions and other sources of retirement income.

Retirement Timing Analysis 

Stress-testing different retirement dates to understand how retiring earlier or later may affect your plan.

Portfolio Stress Testing 

Evaluating how different market environments and investment outcomes could affect your ability to meet your goals.

Monte Carlo Analysis 

Modeling a wide range of potential outcomes to assess the sustainability of your financial plan under changing assumptions.

Investment Strategy Review 

Reviewing asset allocation, expected returns, portfolio expenses, diversification, and security selection in the context of your overall plan.

Portfolio Rebalancing  

Identifying adjustments that may better align your investments with your objectives and risk profile.

Tax Planning Considerations 

Identifying opportunities to coordinate investment and financial decisions with your broader tax strategy.

Estate and Family Wealth Planning

Reviewing how your financial plan aligns with your estate, legacy, and wealth-transfer objectives.

Charitable Gifting Strategies 

Evaluating tax-aware approaches to philanthropy when charitable giving is part of your goals.

Additional Planning Services

Some clients require specialized planning beyond the scope of the core engagement. These services may be added as needed and are generally billed based on complexity and time at our standard advisory rate of $750 per hour.

In limited circumstances, particularly complex engagements may exceed $25,000. If additional work is needed beyond the agreed-upon scope, we will discuss it with you in advance and obtain your approval before any additional fees apply.

Additional services may include:

• Education planning for children or grandchildren
  
  
• Personal insurance analysis, including life, disability, and long-term care coverage
  
  
• Annuity policy review and recommendations

An Ongoing, Collaborative Process

A financial plan is only as useful as the information and assumptions behind it. Your plan is developed using the financial information you provide, so we encourage you to keep us informed as your circumstances, priorities, or objectives change.

Our role is to provide thoughtful, objective advice and help you understand the implications of your financial choices. You are never obligated to implement our recommendations.

In most cases, financial planning clients often choose to have our team implement their financial plan through our investment advisory services, which includes collaboration with your other professionals such as attorneys, accountants, insurance agent, and other professionals to ensure smooth execution of your plan. As an investment management client, collaboration with your other trusted advisors is part of our ongoing yearly management fee. Investment management clients also benefit from regular planning updates, fully integrated with their dynamic portfolios as their lives and financial situations evolve. 

You may also choose to implement your plan through another advisor or brokerage firm of your choosing.