Financial Planning and Investment Management Services

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My goal is to make sure your money works as hard for you, as you worked to earn it.  To that end, I use the tools of financial planning, investment management, and risk management to help my clients work towards their goals.

Comprehensive Financial Planning

The core of good financial planning is a comprehensive assessment of your entire financial situation and an integrated plan set up to accomplish your goals. Comprehensive plans intensively review all of the key areas of financial planning which include:

  • cash management,
  • risk management,
  • taxation,
  • retirement planning,
  • investment management, and
  • estate planning.

The result is a plan tailored to your unique financial circumstances.  A fee is charged based on a flat hourly rate and will be determined in advance by the complexity of your situation.

Focused Analysis

A detailed analysis of a single issue or issues of any of the key areas of comprehensive planning will be provided.  A flat hourly fee will be charged based on the complexity of the analysis. 

Retirement Planning

Perhaps the most important issue facing people is how to prepare successfully for the last half of their lives.  A retirement plan can address many of the issues of retirement readiness: pre-retirement, the transition, and post-retirement.  Usually retirement planning does not begin in earnest until people are in their late 40’s or early 50’s, then it often has to become a concerted effort as time works against them.

A Retirement Plan can help answer, among others, some of the following questions:

  • What kind of retirement do I envision for myself and my loved ones?
  • When will I be able to retire?  Am I on track?
  • What is the total amount of assets I need to accumulate?
  • How much do I need to save and invest each year to reach my goal?
  • What rate of return do I need?  How realistic is that?
  • What are the chances of running out of money in my later years?
  • How should I invest my money to be best situated to achieve my stated financial goals?
  • How can I “inflation-proof” my retirement income?
  • How can I get the most of out my 401(k) plan or IRA?
  • Should I take my pension as lump sum or roll it into an IRA?
  • Do I need long-term care insurance?
  • Now that I’m retired, is it too late to make any changes?

The result of a retirement plan is to address your specific issues and give you answers and options, so that you can make more informed decisions.  My goal is to help you build your confidence in working toward your long-term financial goals.

Investment and Risk Management Services

A plan provides an important road map to your future; however, progress towards that future is usually only made by taking action.  Generally the most important part of taking action is deciding how your money will be managed. 

I provide a full range of investment strategies and professional investment management options.  I charge an Investment Management Fee for my services. 

Products and services that I recommend include:

  • Professionally-managed diversified asset allocation portfolios
  • Tax-managed portfolios
  • Mutual Funds
  • Exchange Traded Funds (ETF)
  • Professionally-managed Real Estate investments
  • Stocks
  • Bonds
  • Variable and Fixed Annuities
  • Life Insurance
  • Long-Term Care Insurance

Clients have 24/7 internet access to their accounts which list their current holdings and values.  These accounts are updated daily unless there are technical difficulties.  In addition, clients can view a variety of reports that can include performance, asset allocations, transactions, and more.

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