Specific financial planning services are as agreed, but often include some or all of the following:

• Balance sheets (net worth statements) provided on a semi-annual or annual basis
• Capital needs analysis (death planning)
• Cash flow statements
• Comprehensive planning notebook
• Education funding projections
• Estate planning facilitation
• Financial independence projections (including stress-testing through historical rolling periods and "Beyond Monte Carlo" simulations)
• Long-term care insurance need evaluation
• Referrals to other professionals
• Review sessions (typically semi-annual)

Education Planning

Education enhances life and opens the door to opportunities.  Clients often want to help fund the educational future of their children or grandchildren.  Many are willing to make personal sacrifices to accomplish these goals.  Education is expensive.  An early start can make the burden lighter and the goals easier to achieve.  There are different methods to fund for education. Many financial instruments can be used inside the different funding approaches.  We help people put their money to work in appropriate places so cash will be available when required for college tuition.  This education planning is incorporated within the context of the whole financial plan we develop. 

Estate Planning

Acquired wealth provides opportunities, but also presents specific challenges.  Estates can be endangered by confiscatory taxes.  Often estates are larger and/or more vulnerable than people realize.  The complexity of the law provides traps for those who fail to plan.  However, there are alternatives.  We alert people to issues and opportunities.  With the help of  estate planning attorneys, we provide solutions.  The primary purpose of estate planning is meeting objectives.  The secondary purpose is tax savings.  With our help, clients have the assurance their assets will go where they want at their death.

Long-Term Care Insurance

For many Seniors, their largest financial risk is their potential need for long-term care.  People are living longer and almost half of those over 65 will probably need long-term care at some point.  We help people explore alternatives to address this potential need, including Long-Term Care insurance products.

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