What is Wealth Management and Financial Planning?

Financial planning is the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life. Remember, financial planning is a process, not a product. (Financial Planning Association)

How we assist you:
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• Create a diversified portfolio reflecting your goals, time horizon, risk tolerance and tax position
• Determine efficient distribution strategies for qualified retirement plans
• Develop a budget to meet your cash flow needs
• Work with your lawyer to ensure your estate plan minimizes taxes
• Work with your tax preparer to help minimize taxes
• Plan for children’s or grandchildren’s educational needs
• Review insurance coverage (including life, health, disability, and liability) under personal and employer plans

Why Financial Planning?

Some benefits of financial planning for your future:

• Gain peace of mind and spend less time managing your finances
• Obtain continuous professional attention to your investment portfolio and evolving personal situation
• Coordinate disjointed financial matters into a coherent plan
• Plan for and maintain financial independence
• Identify realistic and measurable goals
• Invest more and spend less in the process
• Learn more about prudent investing to minimize strategic mistakes