What is a financial plan?

A financial plan is a strategy to help you pursue your goals. Through data gathering, analysis, and guidance, our financial advisors will create a road map that is designed to lead you to financial comfort during your life while allowing for the efficient transfer of assets to your heirs.

Financial planning is an ongoing process driven by changing needs and objectives.

A financial plan includes macro considerations, such as:

Asset allocation planning

A series of asset classes and allocation strategies that seek to meet your needs based on your risk tolerance and investment objectives

Business planning

A focus on issues specific to business owners; coordinates the management of your business throughout its life cycle

Retirement income planning

The development and refinement of a distribution plan for your nonworking years, including social security strategies

Education planning

College savings and education planning topics, such as student loans and financial aid

Advanced insurance planning

Identifying the safety nets that your investments will require as your assets and responsibilities grow

Estate planning

Help with examining a range of strategies to meet asset protection and wealth transfer goals

Tax planning

Coordination with you and your tax professional to minimize your tax liability

Charitable giving

How philanthropic goals affect your investments, especially when considering topics like taxation
“A financial plan is only as good as the personal knowledge that goes into building it”

The goal of a financial plan: to narrow the gap between where you are and where you want to go