Toward financial peace of mind

Most people go through life thinking little about their personal finances. They close their eyes, move ahead and hope for the best. Whether they succeed depends largely on luck.

For people who don’t want to pin their hopes for financial success on luck, we have the answer. It’s called comprehensive financial planning, and it works. We have the expertise, the objectivity (because we are purely fee-only) and the resources to assure our clients financial success and peace of mind.

Our work begins with a no-obligation initial consultation, during which we discuss with the potential client their financial concerns, their goals and their objectives. Together we determine whether our services are appropriate and of value. We agree on the terms of the engagement and establish our fee.

Next we gather data from the client – virtually everything related to the client’s finances: income and expense, assets and liabilities, employee benefits, taxes, insurance and estate plan. The timing of the client’s goals as well as his or her risk tolerance are also taken into consideration.

We then perform a complete analysis of the data and prepare a comprehensive written financial plan that includes specific recom­mendations aimed at improving asset utilization and goal achieve­ment. We work with the client throughout the year to implement the plan and to help manage any financial issue that may arise.

Our recommendations typically fall among seven areas:

  • Cash flow
  • Cash reserve (emergency fund)
  • Investments
  • Risk management (insurance)
  • Financial independence (retirement)
  • Tax management
  • Estate planning

We work very hard to help our clients succeed financially. Because when our clients succeed, we succeed too.