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Taking your entire financial picture into account

Planning is important – more than merely buying insurance against an unexpected loss.  Life also brings foreseeable events, such as a growing family, goals that become within reach and inevitable transitions that can be eased or enhanced, all depending on how well you have planned. Moreover, as your personal life evolves, your plan must keep pace, which makes planning an ongoing facet of your financial life.

Your financial life has many components, and they are more closely linked than you may realize. At the same time you are more than the sum of your accounts, portfolios and policies - your financial life also includes your hopes and dreams. That is why we perform the following analyses, using your documents, aspirations and circumstances as the source of information to help you set attainable retirement, education, insurance, estate and other financial goals.

• Asset Allocation analysis forms the foundation of any financial plan. In fact, determining the right mix of stocks, bonds, cash and other asset classes may be your single most important investment decision.
  
• Retirement Planning analysis calculates your retirement needs, taking into consideration assets, expenses, saving rates, expected rate of return and various sources of income. This analysis can reveal whether you are on track to retiring when you want, the way you want.
  
• Education Funding analysis provides a plan for achieving your dreams for your children. It projects savings requirements and helps you choose from a variety of investment vehicles, including 529 plans.
  
• Risk Management analysis illustrates ways to protect your family from unexpected events. Based on our thorough evaluation, we recommend the insurance coverage best suited to your needs.
  
• Estate Planning analysis offers sophisticated strategies that help you transfer assets to family members or favorite charities. It can protect your legacy against unwanted outcomes and unnecessary tax liabilities.