Identify Goals

We will identify and prioritize your goals to understand your dreams at a deep level, because knowing your goals and aspirations will be essential to working with you towards those goals.

As you think about financial planning, you may have some questions. We embrace questions. Why? Because questions are an opportunity for all of us to learn. We can learn more about how we might serve you. And, you can learn more what you want out of life. So, keep asking questions.

We've put together a few questions to ask yourself. And, we also have some questions you might want to ask us.

Questions to ask Yourself

How much does it cost to live my life?

Your lifestyle reflects your priorities and attitudes toward money. It's important for us to understand your priorities so we can develop a financial plan that meets your life goals.

Am I comfortable with my current debt load?

We look at your current debt and develop the best structure and strategy for getting you out of it.

What is my current tax situation?

We assess your current tax situation and then work with your tax and legal advisors to create strategies to minimize your tax liability both now and in the future.

Are your investments helping you reach your goals as best they can?

Our unbiased advice can help you maximize your investment potential.

Am I sacrificing my retirement for the here and now?

Your financial independence is important. We seek the best strategies that give you the peace of mind of not outliving your money and keeping you independent as you grow older.

How can I best fund my loved ones' education?

We discuss your desires, not just for college, but for any other form of "life education" you wish to provide your loved ones, such as buying them a home or starting them in business.

How will I be able to provide for my loved ones?

You need more than just a will to leave your wealth to your heirs, especially if you want to protect your assets from estate taxes. We can help you create an estate plan that will provide you earnings during your lifetime and benefit your heirs after you're gone.

Do I want to leave gifts to my college, church, or favorite charity?

Giving back in some way is important to many people. We can help you create a legacy you and your family will be proud of. We also help you take advantage of any available tax breaks and help you use charitable gifting for lifetime income.

What major purchases do I want to make?

We can provide you savings and payment strategies to help you reach your goals for making major purchases. We also help you take advantage of any available tax breaks.

Questions to ask Us

Many of the questions below are common inquiries we often hear. So, to assist you, we've listed these questions with their appropriate answer. If you want more information, please feel free to contact us. We're here to help.

What is a financial plan?

A financial plan is a written path to the achievement of your personal and financial goals. It is uniquely designed for each client based on goals and circumstances.

Why do I need a financial plan?

You need a financial plan to identify and coordinate all aspects of your financial life so that you can achieve your goals and experience the highest quality of life available to you.

What is included in a financial plan?

Creating a financial plan is a process of analyzing your entire financial life and goals. There are generally six aspects of financial planning that are addressed as needed. The first is an assessment of your current financial position. This assessment may include the construction of a statement of financial condition (assets, liabilities, and net worth), and a budget. The other aspects of the financial plan are investment analysis, taxation planning, education planning, retirement planning, and estate planning. The applicable aspects relevant to your situation are combined to form your individual plan.

How is the plan put into action?

The plan is put into action through purchases or sales of financial products such as insurance and investments. The plan may also recommend changes in other areas such as savings or spending. The actions taken are done so in response to your needs and goals.

Is your service confidential?

Absolutely! Beyond our own feelings that confidentiality is a right of our clients, it is the law.