FINANCIAL PLANNING
Cash and Debt Management
Debt management can be a simple answer to solve existing financial strain as a result of carrying too much debt. We will create a plan to help you reduce your debt and improve your ability to manage your cash.
Budgeting
We will help you design a budget that will put you in control of your cash flow. A budget plays a major role in a sound financial plan. Budgeting is an excellent way to monitor your sources and uses of funds and reveal areas that need to be improved.
Behavioral Finance
Planning for your future involves more than just dollars and cents. We look at not only the bottom line, but behavioral issues that influence financial decisions. By looking at what causes certain habits, we can further assist you in meeting your financial goals. Each person has a unique money personality. We specialize in assisting couples on communicating money matters.
Education Planning
If you have children, we can determine the needs required and the resources necessary to provide funds for their education. There are a variety of options available to help you meet your education goals.
Insurance Coverage Review
Insurance planning is a vital element to your overall financial plan. We will evaluate your current coverage to determine adequacy and exposure to certain risks. In addition, we will look for ways to reduce your insurance premiums without compromising your coverage.
Retirement Planning (Tax-Based)
Whether you plan to retire in the near future or retirement is many years off, we want to help you retire comfortably by taking into account tax reduction strategies available.
The process of creating a retirement plan is relatively straightforward. For the most part, you want to make sure that you have enough income and assets to live the type of lifestyle that you want at time of retirement. What makes retirement planning more difficult is trying to determine what strategies to use to reduce or eliminate taxes to increase your available retirement assets. Our tax strategies can help you achieve a better lifestyle at retirement.