How Do We Prepare You?
Juggling Competing Needs
We understand that retirement is not your only goal; you may have student loans, private school tuition or college planning. Do you dream of starting a new business with concerns around financing the transition while capitalizing a new company? Or a second home?
A well-crafted financial plan can help determine goal viability and timelines. Then we know how best to direct funds to priorities and nurture investments in a meaningful manner.
The foundation of our planning process is understanding how you want life to unfold. Like most people, you have finite resources to direct among essential needs, discretionary priorities and future dreams. We partner with you to invest appropriately and wisely to help you achieve all you can. We help clients with strategies to best leverage and integrate employer retirement plans, company stock benefits and other perks along with personal assets and savings.
A sound plan includes protection against catastrophic risks. We call it Stress-Testing. You wouldn’t build a house on an unstable foundation; why would you build your life on one?
Asset and income protection is an ongoing process as we accumulate more in life. Do you have sufficient insurance coverage to protect your family and sustain income in the event of illness, disability or death? Personal coverage is often less expensive and more permanent than employer benefits. Disability coverage usually pays only a portion of salary. Do you have the right amount and types of insurance? Is your property coverage commensurate with your assets? Will you be responsible for caring for aging parents?
Whatever your circumstances, we have seen it. We each have decades of experience in helping clients like you and will craft a plan that ensures your goals are merged with your assets and ability to invest.