It’s time to finally get organized and feel energized about your money and your goals. Here’s how we can work together.
Project-Based Financial Planning
A one-time engagement that’s great for when you want a financial check-up with a professional or have a specific financial problem to solve and you are willing to implement all our recommendations on your own.
Ongoing Financial Planning
Provides a full-circle financial plan for your entire life and/or business along with financial coaching, education and check-ins along the way.
A ongoing engagement where we discover your money mindset, values and goals, get organized and work together to tackle several major planning topics during the year. Each client is provided a custom quote and service calendar for the first year.
Investment Management
Full account management for both taxable and retirement accounts in partnership with our external custodian(s).
Includes new account onboarding and transfer of funds from outside accounts, risk tolerance assessment, portfolio design and investment selection. Account is actively monitored and traded in a tax-efficient way.
Menu of Financial Planning Topics
All of the ways we can get your financial life in shape.
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Understanding your personal income statement, analyzing your major spending and saving categories and how they align with your values and goals
Emergency fund planning
Optimizing return on cash holdings
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Creating a total debt payoff plan
Student Loan consolidation and payoff planning
Mortgage, refinancing and HELOC planning
Credit Score management
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Funding strategies with 529 plans, UTMAs, Taxable accounts and/or Roth IRAs
Support filing for financial aid, including income management ahead of the FAFSA
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Understanding major sources of risk and how to mitigate them
Curation of Insurance professionals, including Life, Disability, Homeowner’s, Health and more
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Profit-sharing, ESOP, company stock purchase programs
Employer-sponsored retirement plans
Health Savings Accounts (HSAs), Flexible spending accounts (FSAs) & Cafeteria Plan options
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Saving for business start-up costs and managing expenses during the lean early years
Business model review and stress testing
Strategies for accelerating/deferring business income to minimize tax
Reducing risk with the right kinds of business insurance, (curation of insurance professionals)
Retirement plans for the self-employed and small business
Business succession planning (buy-sale agreements)
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Retirement savings plan analysis and determining when you will be financially independent
Optimizing tax savings across your lifetime
Roth IRA vs. Traditional IRA
Self-Employment retirement plans
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Income tax bracket planning and adjusting tax withholdings and allowances
Reviewing annual tax return and adjusting strategies for changes in tax policy
Tax credit analysis
Capital gains management and tax loss harvesting analysis
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Ensuring proper titling of assets
Guidance on the creation and updating of the advance directive, healthcare proxy, power of attorney and will
Trust management and planning
Recommendation of estate attorneys
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Asset allocation and portfolio design
Creating investment policy statements
Handling concentrated stock positions
How to invest an inheritance
Rebalancing to asset allocation targets
Real estate investment analysis
