Personal Financial Planning

Personal finances can be a moving target. Transitions in jobs, major purchase goals and other life events such as weddings or new grandchildren can change your entire spending and savings strategy.

How we can help

We help you plan for day-to-day needs through all of life’s transitions. Our Personal Financial Planning services include:  

Determining financial status. We analyze financial statements, special needs, investments, taxation, employee benefits, etc.

Stock option planning. We review your portfolio to ensure you are maximizing (and not over leveraging) your investment in the market.

Advice on change of lifestyle. We look at major life events (i.e., marriage, divorce, children, job, education, inheritance) to understand the financial implications now and in the future.

Major purchase goal analysis and funding options. We can help you understand if that new sports car or mountain cabin getaway is a financial reality.

Additional personal finance services such as:

• Education on mortgage options and financing analysis.
• Creation of a personal or business budget.
• Debt management strategies.
• Personal financing strategies.
• Savings and cash flow strategies.

Education Planning

Most parents want to help fund their child’s college education, but most aren’t financially prepared by the time their children reach their freshman year. Tuition and other expenses can average more than $40,000 per year at public universities, and even more for private institutions.

How we can help

We can help you and your children prepare for the college transition with planning advice and specific investment options. Our Education Planning services include:

• Discussion of qualified tuition/college saving plans. We help you understand, navigate and choose from the various options available.
• College costs and inflation analysis. Costs vary widely among private and public institutions. And if you start saving early, we’ll also help you understand how cost estimates may evolve over time.
• Development of funding strategies. Funding your child’s education may require multiple income sources. We can define your full college savings strategy.
• Provide direction on ownership of assets. It’s important to understand whether to designate your assets in your name or your children’s name when applying for college loans. We can help you navigate the best path. 
• Financial aid application assistance-FAFSA. The financial aid formulas used by the federal government can be complex. We’ll advise on the right information to include.  
• Gift tax limits and trust usage strategies for education funding. We help you ensure that your children are spending the money as intended.