Financial Planning

• Comprehensive financial planning

• Help with specific areas of concern such as

Retirement planning
Estate planning
Stock Options
Cash flow planning
Education funding
Mortgage refinancing and debt consolidation

• Consider all relevant factors
• Know the consequences of different choices
• See the financial impact of different options over selected intervals of time

On an on-going basis, we can also alert you to tax code revisions and other changes that may require minor adjustments or new strategies.

We calculate how much you should set aside and examine the tax implications of different options, including social security benefits and the entire range of qualified plans, SEPs, IRAs, and tax deferred annuities with their different applications, benefits, and costs.

If you'd like us to monitor your progress, we'll keep you updated on any changes or opportunities you may want to respond to.

Education funding

With our database of colleges and their costs, we determine the amount you will need when your children reach college age and then help you take advantage of the latest funding tools, including section 529 plans and expanded Coverdell Education Savings Accounts (formerly called Education IRAs).

When changes occur, we help you make the necessary adjustments.

Cash flow planning

Do you have enough cash in reserve to handle unexpected expenses or loss of income? Maintaining adequate reserves ensures that you will avoid penalties for early liquidation if an urgent need for funds arises.

Mortgage refinancing and debt consolidation

We can help you lower your monthly interest payments and suggest other steps to make your month-to-month finances more manageable, including analyzing rates and costs to determine if refinancing your mortgage makes sense.