We inventory and analyze your assets and liabilities to determine:

• your current personal net wealth to start monitoring your progress;
  
• which assets you are using as resources to fund your short-term and long-term financial needs, wants, and wishes;
  
• the liquidity and tax status of your assets;
  
• what types of financial accounts (IRA, Roth IRA, 401(k), taxable, etc.) you are using or not using and which are most appropriate to reach your goals; and
  
• whether the liabilities that fund certain assets make sense or if other strategies would better enable you to reach your goals.

If you need help with cash flow management, we prepare a cash flow management plan for you and suggest tools to use to keep you in control of your plan.  

We analyze the feasibility of reaching your financial goals over your lifetime using existing assets, regular savings and investment plans, employer benefit packages, and expected future resources (Social Security, pension plan, inheritance, other)

• We incorporate the critical impacts of inflation, taxes, and varying rates of return on your accounts as determined by the underlying asset classes.
• We develop "What-If" scenarios so you can see outcomes that changes in variables can have on your personal financial plan. For example, the impact of retiring a couple years later, working part-time in retirement, or collecting Social Security at age 70 versus at full retirement age.
• We review your employer benefit package to make sure you are maximizing the benefits available to you as they apply to your needs and goals.
• We simulate your financial future with state-of-the art portfolio stress-testing to help determine if your are in the "Confidence Zone," where your financial goals in the future are achievable while at the same time living comfortably today.
• Whether you are nearing retirement or in retirement, we analyze the sustainability of your retirement income stream through your projected life expectancy.
• We analyze your total lifetime cost of healthcare separate from your other goals. Healthcare costs inflate at higher rates. You want to be prepared.

We analyze and project your personal federal and state (if applicable) tax liability so:

• there are no unexpected cash outlay surprises when you file your tax returns;
  
• you understand the different types of taxes, how different sources of income are taxed, and how the taxation of all your assets needs to be accounted for when structuring a personal financial plan to reach your goals; and
  
• you know what your marginal federal tax bracket is and what tax ramifications that can have.

We identify the types and exposure you have to risks that can potentially blow up your financial plan and goals you have and we provide solutions to protect against such potential losses.

• We review your personal and employer provided insurance policy declaration pages and how that coverage helps to address the financial consequences in the event of your death, long-term disability or sickness, health issues, the full or partial destruction of your home, vehicles, other personal or investment property. A well-designed financial program keeps working even when you don't or can't.
  
• If you are small business owner, we review your exposure to loss should something happen to you or other owners of the business and we provide solutions to cover any gaps.

We review your estate plan documents and beneficiary designations in case of your incapacity or death and we make sure:

• they align with your current financial and legacy goals;
  
• that trust language and the outcome your desire is current given the changes in tax laws and the effect that can have on your estate plan and consequences for your beneficiaries and yourself;
  
• your beneficiary designations on your retirement plans and life insurance and other policies are updated and correctly stated; and
  
• you establish estate documents if you don't have them.

We analyze and develop solutions for special situations that may apply to you:

• Integrated Family & Business Ownership Planning
  
• Complex Tax Planning
  
• Stock Options, Restricted Stock, and Deferred Compensation Planning
  
• Complex Trust and Estate Planning Evaluation
  
• Charitable Giving Strategies