Financial Planning

Financial Planning is the cornerstone of the services we provide. We will analyze your financial affairs and craft a plan that will help you meet your lifestyle goals and objectives. Want to travel in retirement? Saving for a boat? Need to set aside money for your children’s college education? Your financial plan will be the complete package of recommendations to reach all of your goals.

Among the things that might be included in your financial plan are asset allocation, risk management, income tax planning, estate planning, employee benefit planning (e.g. your 401ks) stock options strategies and business succession planning.

We offer two types of financial planning

Ongoing financial planning

This is an annual service in which you and we meet multiple times throughout the year to address as few or as many of you financial issues as you want. Your one-year subscription to this service can be renewed.

Financial plan starter kit

We get you started on the road to your goals by drawing up a plan with your input that includes all of the above (retirement planning, investment review and so forth). After completing this plan, some of our clients are pleased enough with it to engage us for ongoing financial planning or investment management. It is entirely up to you.

Which ever you choose, we will provide you with a thorough review of your entire financial life.

How we proceed

Clients are expected to be actively involved in the planning process, and for married couples, the participation of both spouses improves the process and the results.  When you schedule a no-fee, no-obligation Initial Interview to discuss their financial planning needs, we encourage them to complete our Initial Interview Questionnaire and submit it to us at least two business days prior to our meeting. By understanding in advance your unique situation, we will be able to better use our time together.

At the Initial Interview, we strive to determine your wants and needs and encourage you to evaluate our capabilities and your comfort in working closely with us. At the end of the meeting we will use the information we gathered to quote a fee for the first year of service. Fees generally begin at $2,500 and are based on a formula that considers your assets, income and the complexity of your situation. Engagements are open-ended with no limited number of appointments or time allocation.