We practice both goals and cash-flow based planning. Comprehensive, financial planning looks at where you are today, what short-term objectives and long-term goals you are trying to achieve and analyzes the expected success rate based upon current and proposed recommendations. A financial plan is a living document. It must be reviewed and adjusted on a regular, systematic basis. We monitor and review our clients’ success and make adjustments accordingly because the achievement of our clients’ goals is the ultimate result that we pursue.

It is said that, "Two things in life are certain, death and taxes". While we cannot avoid either, we can take proactive steps to plan. We can work side by side with tax professionals to be strategic in our planning. We prioritize saving in tax deferred accounts to reduce our taxes while working. We encourage building taxable accounts to save for intermediate term goals and so that not all income in retirement is subject to income tax. We emphasize strategic planning in how we sell holdings and produce income while working and in retirement.

In addition to the essential legal planning necessary for protection during our lifetimes, a common goal among many of our clients is to leave a legacy for the benefit of children, grandchildren or a charity. Partnering with our clients' attorneys and CPAs enables us to assist them in developing basic and sometimes advanced planning techniques which can direct how assets will be distributed and managed as they pass to new generations.