Taxes and investments are key components of your personal financial plan, but peace of mind comes from attention to all aspects of your financial life.

GOAL SETTING

Your goals are the picture on the cover of your financial planning puzzle box. The better we understand what is important to you, the better we can help you structure your finances to achieve your goals.

We encourage in-depth conversation about what retirement looks like to you, what kind of schooling you want for your children or grandchildren and many other important life goals.

LIFESTYLE SPENDING REVIEW

Say the word “budget” and most people will cringe or groan. But all it means is deciding how you will spend your money in advance so that you are making regular progress toward your goals. We’ll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and if needed, help you gain control over your spending.

INSURANCE

Are you confident that you have the right amount and the right kind of insurance on your life, home and automobiles?

We don’t sell insurance. We will work with you to determine how much coverage you need, what risks you can afford to self-insure, and where and how much insurance you should buy, as these are vitally important considerations for your financial security. We will discuss these issues in detail and help you spend your insurance dollars wisely.

CHARITABLE PLANNING

Are you currently giving to causes that you care about? Do you plan to include them in your will? We can help you to determine which assets are most appropriate for charitable gifts and how you can obtain the most favorable tax treatment.

REAL ESTATE

Your home is probably your single largest investment and your mortgage is your single largest debt. The housing bubble showed everyone how easy it is to get a big house with a big mortgage and end up with a very big problem. We advise on getting the right-size home for your income and the right-size mortgage to fit your income. We will also review your mortgage to see if refinancing might lower your monthly payment or allow you to reduce the interest you pay.