You have dreams for yourself and your family but are overwhelmed from too much complexity in your financial life. You are busy with your practice and do not have a clear direction or a systematic process for managing your investments and finances. You feel like your income keeps getting squeezed and are afraid of running out of money during retirement. You may not be getting objective financial advice from your current financial advisors because you may have been sold inappropriate and expensive financial products. You made big mistakes managing your finances and investments by yourself since you lack the time, knowledge, interest or discipline. You are concerned about asset protection and want to make sure your family is protected. You want to build and protect a solid foundation, while working towards your dreams.
QUESTIONS ON YOUR MIND
- Are we on track to meet our goals?
- How do we protect and build our assets?
- How do we know if we are making smart decisions with our money?
- How do we plan for the myriad of competing goals?
- How do we protect our family, in case something catastrophic happens?
For many, retirement no longer means a gold watch and a pension. Your vision of retirement is unique to you. It could be leaving your day job to follow a creative passion. Perhaps it’s moving to a new town or even a foreign country. Maybe you love what you do, but would like to be in a position of working for the enjoyment, not for the money. We’ll evaluate your current situation and create a plan to help you achieve your goals. We’ll help you determine if you are saving enough, where to save and assess if you’re on track.
PROTECTING YOUR FAMILY
You want to know that your family will be protected in the event of difficult times or tragedy. We’ll review your life and disability insurance and property and liability coverage. We will also have a conversation about your wills and estate planning desires.
We understand that helping your kids succeed, without incurring the all too common burden of student loan debt, is important to you. We help you determine how much you should be saving, based on your kids’ ambitions and your goals for them. From those decisions, we conduct an evaluation of possible savings vehicles, including tax, liquidity and control tradeoffs aligned with your goals.
INVESTMENT & TAX MANAGEMENT
You have multiple investment accounts: a 401(k), an IRA, a taxable brokerage account. Each account could be tied to different goals, time horizons and tax implications. We help you determine how to allocate your assets to achieve both your short term and long term goals in a coordinated plan that also seeks to minimize your tax burden.