Personalized Financial Planning

We provide a broad range of financial planning services on topics such as financial goal-setting, investment management, retirement planning, tax planning, business planning, estate planning, insurance, risk management, cash flow and debt management, college savings and employee/work benefits.

Clients availing themselves of our financial planning services will receive a detailed and customized financial plan designed to help them to track their progress toward achieving their personal financial goals.

Our financial plans typically address one or more of the following topics:



Financial Goals

We help our clients to create realistic financial goals and to develop plans to reach them. We will identify what our clients plan to accomplish, what resources they will need, and how much time it will take them to reach their goals.


Investment Analysis & Management​

We devise, implement and manage customized investment strategies designed to pursue our clients’ financial goals.


Retirement Planning​

We make detailed retirement projections for our clients by projecting their income and expenses into retirement, typically focusing on financial independence as the primary objective.


Tax Planning Strategies

We help our clients to set up their accounts and entities so they can operate with maximum tax efficiency.


Business Planning

​We provide consulting services for clients who operate their own businesses, are considering starting a business or are planning an exit from a business.


Estate Planning​

We ensure our clients’ estate plans are in order and up-to-date.  We examine our clients’ current estate planning documents, such as wills, trust, powers of attorney and other documents.  We then make recommendations regarding estate planning as they pertain to achieving our clients’ financial goals.



We conduct a review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile.


Risk Management

We analyze our clients’ exposure to major risks that could have a significant adverse financial impact on them, such as premature death, disability, property and casualty losses, or long-term care.


Cash Flow and Debt Management​

We review clients’ income and expenses to determine current surplus or deficit, then provide advice on prioritizing how any surplus should be deployed.


College Savings

We do detailed projections of college expenses and devise plans for our clients to save and invest to cover those expenses.


Employee Benefits Optimization​

We analyze whether a client, as an employee, is taking maximum advantage possible of employee benefits. Or, if the client is a business owner, we consider and/or recommend various benefit programs that can be structured to meet both business and personal retirement goals.