Areas in Financial Planning

Whether you are just starting a family, confronting a major life change, are ready to retire, already living in retirement, or concerned about transferring wealth – all these stages require thoughtful comprehensive planning. Our advisors can work with you to craft a strategy specifically designed to help you successfully address all of the Life Events. Below are a few of the many life events that our financial advisors can provide assistance with.

 

Starting a Family

Starting Out

Starting a Family

Starting a family can take quite a financial toll on any couple. It's essential to prepare for the financial effects of welcoming a new addition to your family. Whether you're expecting or thinking about adoption, our advisors can help you plan for financial security.
Life Events - Starting A Family
Saving for College

Family Life

Saving for College

Whether you are saving for your children’s or your grandchildren’s education – there are several factors to consider…Which saving plan and program works best? What are my borrowing options? , Private vs. public school tuition costs? Can I qualify for financial aid?

Our Advisors can guide you through this process and map out a plan that will help you achieve this important goal.

  • 529 Plans
  • Coverdell Education Savings Account
  • Custodial Accounts (UGMA/UTMA)
  • Traditional/Roth IRAs
Buying a Home
Changing Careers
Dealing with Divorce
Managing an Inheritance
Dependents with Special Needs
Saving for Retirement
Preserving Wealth
Living in Retirement
Illness or Disability
Transferring Wealth

Starting Out

Buying a Home

It's one of the biggest investments you'll ever make. Whether it's a first home, a second home, or a downsize – there are many factors to consider. Our Advisors can guide you through the process by sorting through the wide range of mortgage options and how your investment will impact your cash flow and plans for other major goals.

Asset Protection

Changing Careers

If you were to lose your job today – would you be able to adequately survive until something new came along? There are a number of important decisions to make and steps to take that will ease this difficult event. Our advisors can help you plan for contingencies to ensure that your financial planning remains on track.

Adjusting to Change

Dealing with Divorce

Not only is it an emotional event, but it can also have a serious impact on your finances as well. Our advisors can help you with some of the critical decisions that you will be confronted with through the divorce process so that you will be better prepared for your future.

Wealth & Giving

Managing an Inheritance

Acquiring an inheritance comes with additional tax, insurance, and estate planning implications. Our advisors can help you make informed decisions about managing your inheritance tax-efficiently and deploying it for future goals or leaving a legacy.

Family Life

Dependents with Special Needs

As a parent or guardian of a dependent with special needs – it can be very challenging to ensure that their future will be financially secure and their quality of life will remain stable. Our advisors can work with you to develop a plan to ensure that this special someone will be well protected.

Retirement

Saving for Retirement

Whether you are far from retirement or near retirement, planning and preparation are critical to ensuring that you can enjoy your retirement. Maximizing savings, managing your investments, and defining your expectations are all key considerations our advisors can provide guidance with.

Retirement

Preserving Wealth

Your primary goal is to maintain your existing assets. Our advisors can develop a program that provides diversification, protection, and liquidity to help you preserve what you have acquired.

Retirement

Living in Retirement

Retiring and going from saving mode to spending mode is a major transition. Once you reach retirement, your long-term goal is to generate sustainable income designed to last as long as you do. To help you with that process, Our Advisors can work with you to maximize income and manage your expenses so you can enjoy your retirement.

Asset Protection

Illness or Disability

When you or one of your family members becomes disabled or ill – it can take a serious toll emotionally and financially. Our advisors will work with you to estimate the impact of any loss of income, and how much you will need to live on for essential items.

Wealth & Giving

Transferring Wealth

No matter what your net worth it's important to have a basic estate plan in place to ensure that your family is taken care of and your financial goals are met after you die. In addition to a tax-sensitive financial plan, there are numerous elements involved with an estate plan – a will, an assignment of power of attorney, a living will or health-care proxy are just a few. Our advisors can work with you to put a plan in place to preserve and transfer the maximum amount of wealth possible to your heirs.
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