If you are more than 10 years from retirement, this program provides a personal game plan for achieving your most important goals--such as purchasing residence and vacation homes, funding college educations, affording a comfortable life style, providing support to aging parents, building up retirement savings, minimizing taxes, and insuring against such risks as death, disability, or costly medical conditions.
Approach
Since any plan is only as good as its input, our first efforts involve coming to understand you, your goals and your overall financial situation--spending levels, income sources, savings and investment programs, portfolio make-up, company benefits, tax situation, and insurance coverage.
Once these inputs are finalized, we use sophisticated planning software plus our own expertise to craft a plan that systematically leads you towards attainment of these goals. Moreover, your plan is rigorously tested under different scenarios so that you have a clear picture as to the effects of varying inflation rates and investment returns on your overall situation.
Deliverables
Your final plan lays out specific recommendations covering such areas as:
Education Savings
Expense Management
Insurance Protection
Retirement Savings
Investment Strategy
Tax Planning
We assist in plan implementation by providing referrals for specific products and services and coordinating activities with accountants and lawyers as appropriate. And, if you enter our Investment Management Program, we carefully monitor ongoing investment performance, suggesting portfolio changes as circumstances warrant.
Because your personal situation, market conditions and the economic environment are continually changing, annual plan reviews are important.
Fees Our fees for developing your initial plan are based on the complexity of your financial situation. Ongoing fees will be determined based on the type and level of service provided.