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Plan Components

What Does A Comprehensive Financial Plan Cover?

Current Profile

An analysis of your income, cash flow, expenses, assets and liabilities is important to understand your current position. You must know where you are to plan strategies for your financial future.

Income Tax Strategies

Individual advice on legal, tax-oriented strategies to help you keep more of what you earn. In fact the tax saving ideas we suggest potentially could more than pay for the cost of the financial plan!

Investment Portfolio Management

Strategies that are used involve the delicate balance between risk and return. Investments are probably the most confusing area of all. We can clear the confusion by showing you how to work towards a balanced and diversified* portfolio, tailored to your unique risk tolerance. Thus, you gain the potential to work towards the investment return you need.

Retirement Planning

A detailed analysis will allow you to prepare for retirement given the inadequacy and uncertainty of Social Security and employer plan benefits. A comfortable retirement is an important goal; Personal Financial Planning will allow you to work toward achieving it.

Education Funding

We can help you prepare a realistic plan for funding your children’s education. We’ll sort out the complexities and identify the best methods for attaining your goals.

Estate Planning

We will evaluate your estate and develop strategies and techniques for minimizing estate taxes and other costs. Recommendations are also made to assure that your estate is distributed according to your wishes.

Risk Management

Specific ideas on how you can best protect yourself and your family from future uncertainties. Your total insurance program is analyzed - auto, home, liability, health and life - to determine the correct amount and best type for you.

Asset Protection

In today’s litigious society and in an environment of increasing financial risks, we develop strategies to help protect your accumulated assets from creditors and judgments

There is not guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. This information is not intended to be a substitute for individualized tax, legal, investment planning advice. We suggest that you discuss your tax issues with a qualified tax advisor.

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