Questions & Answers
What services can you provide and what value is it to me? Can I afford a financial planner?
Dreaming about your ideal results is your role. Helping you get there is ours. Achieving success starts with clearly identifying where you want to go and having a plan to get you there. We begin by gaining a comprehensive understanding of your financial resources and goals. Then, we create personalized analyses that incorporate financial planning strategies to help lead you to financial success. This includes all aspects of your financial life including investments, retirement planning, taxation, estate planning, philanthropy and risk management. We are the catalyst and the leadership coordinator for you and your trusted advisors. We will meet with you regularly to monitor and modify your personal strategies. Our fees are based on the range of individualized services we provide and the specific Assets Under Management that we might be entrusted with. In some cases we will refer you to specialized providers or we will provide specific services in house. Selection of services is entirely up to you. Before any commitments are made by you to engage our firm, all fees, charges and affiliations will be communicated to you. Not having a CERTIFIED FINANCIAL PLANNER ™ assist and guide you through your financial journey could be more expensive than paying for specific services to assist you in achieving your goals.
How can I make sure my child is taken care of is something happens to me?
The administration of an estate held on behalf of minor or special needs children can be carried out with a trust. We will help you identify areas of risk, work with your attorney to avoid adverse legal issues or family quarrels and provide guidance for all parties involved.
If something happens to me will my partner be able to care for me, inherit my assets and stay in our home?
Ensuring your wealth is transferred to the person you want it to go to, requires a carefully executed plan. It is important to have the right legal documents (wills, trusts, powers of attorney, medical directives, etc) to carry out your explicit wishes. Our goal is to make the estate planning process clear and understandable while working with your attorney, who will provide legal advice and implement your custom documents to ensure enforcement of the plan.
Will my family be protected if something happens to me?
We can help you protect your family and estate if you are disabled or die. When it comes to protecting your family’s financial future from catastrophic risks, physical or legal, what you don’t plan for can hurt you. It takes proper planning to avoid a devastating result. We work with your attorney, insurance specialist and other professionals to manage risk through an asset protection plan. Key risk areas include life, health, disability, long-term care, liability and property and casualty. More advanced asset protection strategies can be achieved through the proper titling of assets, beneficiary designations and use of the proper trust. We can assist with this evaluation.
Will we reach our financial goals and be financially independent?
Planning for retirement is serious business. After you retire, you don’t want to be surprised by the lack of funds to carry out your dreams. We will help you answer the critical question of “How much is enough” using realistic projections, portfolio simulation and probability analysis, and we wisdom of our investment team. We will help design a strategy to manage your cash flow in retirement and optimize portfolio withdrawals across your accounts. If your financial resources are sufficient, you will be able to take care of other life activities such as travel, volunteering or a second career instead of worrying.
How can I optimize my financial strategy for an early retirement?
You can optimize your income in the future for the events in your life. We are here to help you successfully transition from your earnings (accumulation) phase into your spending (distribution) phase. We help you identify how much you can conservatively take out of your portfolio so as not to overspend or under spend in your retirement years. Your asset allocation strategy should be coordinated across all sources of income such as cash, annuities and investment accounts (trusts, IRAs, pensions, etc). This allows us to help you determine where to take withdrawals to maximize return and minimize taxes while protecting legacy assets.
How can I leave a lasting legacy to those I care for?
The goal of passing along your personal values and financial resources can create a lasting impact on your family and community. Create your legacy and transfer your wealth to your family by clarifying your lifetime financial needs and determining what is available to transfer to the next generation or to fulfill your philanthropic wishes. We want to help you understand the wealth transfer planning process and utilize the estate tax minimization strategies. Based on your specific goals and available resources, we utilize tools and techniques available and work with your estate attorney to implement the strategy. This can be done through multiple strategies such as Charitable Trusts, Family Limited Partnerships Grantor Retained Trusts, Residence Trusts, Special Needs Trusts, Private Foundations and Advanced Gifting strategies.
Dreaming about your ideal results is your role. Helping you get there is ours. Achieving success starts with clearly identifying where you want to go and having a plan to get you there. We begin by gaining a comprehensive understanding of your financial resources and goals. Then, we create personalized analyses that incorporate financial planning strategies to help lead you to financial success. This includes all aspects of your financial life including investments, retirement planning, taxation, estate planning, philanthropy and risk management. We are the catalyst and the leadership coordinator for you and your trusted advisors. We will meet with you regularly to monitor and modify your personal strategies. Our fees are based on the range of individualized services we provide and the specific Assets Under Management that we might be entrusted with. In some cases we will refer you to specialized providers or we will provide specific services in house. Selection of services is entirely up to you. Before any commitments are made by you to engage our firm, all fees, charges and affiliations will be communicated to you. Not having a CERTIFIED FINANCIAL PLANNER ™ assist and guide you through your financial journey could be more expensive than paying for specific services to assist you in achieving your goals.
How can I make sure my child is taken care of is something happens to me?
The administration of an estate held on behalf of minor or special needs children can be carried out with a trust. We will help you identify areas of risk, work with your attorney to avoid adverse legal issues or family quarrels and provide guidance for all parties involved.
If something happens to me will my partner be able to care for me, inherit my assets and stay in our home?
Ensuring your wealth is transferred to the person you want it to go to, requires a carefully executed plan. It is important to have the right legal documents (wills, trusts, powers of attorney, medical directives, etc) to carry out your explicit wishes. Our goal is to make the estate planning process clear and understandable while working with your attorney, who will provide legal advice and implement your custom documents to ensure enforcement of the plan.
Will my family be protected if something happens to me?
We can help you protect your family and estate if you are disabled or die. When it comes to protecting your family’s financial future from catastrophic risks, physical or legal, what you don’t plan for can hurt you. It takes proper planning to avoid a devastating result. We work with your attorney, insurance specialist and other professionals to manage risk through an asset protection plan. Key risk areas include life, health, disability, long-term care, liability and property and casualty. More advanced asset protection strategies can be achieved through the proper titling of assets, beneficiary designations and use of the proper trust. We can assist with this evaluation.
Will we reach our financial goals and be financially independent?
Planning for retirement is serious business. After you retire, you don’t want to be surprised by the lack of funds to carry out your dreams. We will help you answer the critical question of “How much is enough” using realistic projections, portfolio simulation and probability analysis, and we wisdom of our investment team. We will help design a strategy to manage your cash flow in retirement and optimize portfolio withdrawals across your accounts. If your financial resources are sufficient, you will be able to take care of other life activities such as travel, volunteering or a second career instead of worrying.
How can I optimize my financial strategy for an early retirement?
You can optimize your income in the future for the events in your life. We are here to help you successfully transition from your earnings (accumulation) phase into your spending (distribution) phase. We help you identify how much you can conservatively take out of your portfolio so as not to overspend or under spend in your retirement years. Your asset allocation strategy should be coordinated across all sources of income such as cash, annuities and investment accounts (trusts, IRAs, pensions, etc). This allows us to help you determine where to take withdrawals to maximize return and minimize taxes while protecting legacy assets.
How can I leave a lasting legacy to those I care for?
The goal of passing along your personal values and financial resources can create a lasting impact on your family and community. Create your legacy and transfer your wealth to your family by clarifying your lifetime financial needs and determining what is available to transfer to the next generation or to fulfill your philanthropic wishes. We want to help you understand the wealth transfer planning process and utilize the estate tax minimization strategies. Based on your specific goals and available resources, we utilize tools and techniques available and work with your estate attorney to implement the strategy. This can be done through multiple strategies such as Charitable Trusts, Family Limited Partnerships Grantor Retained Trusts, Residence Trusts, Special Needs Trusts, Private Foundations and Advanced Gifting strategies.