Financial Life Planning

We begin by exploring your life vision and the range of possibilities given your resources. We help you clarify and prioritize your life goals and then align your saving/spending and investment policies to not only achieve your current life vision but also to position you to enhance it.

Common Questions We Can Help You Answer

Financial advisor shaking hands with clients at a meeting

A Wealth Management Framework for a Fulfilled Life

Wealth management framework: Goals & Dreams feeds into Fulfilled Life at center, surrounded by Savings/Spending, Protection, and Investment Policy

Our Patented Comfort Zone Process

Experience clarity, confidence, and control with our patented Comfort Zone process

  • Your Comfort Zone plan evolves with your life.
  • Your Comfort Zone plan evolves with priorities.
  • Your Comfort Zone plan helps manage trade-offs.
  • Actively balance goals for today versus tomorrow.
  • Your Comfort Zone tracks your plan's evolution, adjusts for life events, and delivers the results in understandable plain English.

Tax Strategy

Pre-tax returns matter. After-tax returns matter more.

Our tax strategies seek to minimize investment-related taxes, lifetime income taxes, and estate taxes. In doing so, we will work closely with your CPA and other trusted advisors. Our goal is to keep more of what you earn.

Investment Taxes

  • Household-Based Tax Location
  • Municipal Bonds
  • Tax-Preferenced Investments
  • Tax Loss Harvesting

Lifetime Taxes

  • Tax Return Analysis & Forecasting
  • Roth Conversion Strategies
  • Tax-Efficient Withdrawals
  • Social Security / IRMA

Estate Taxes

  • Trusts / Gifting
  • Insurance
  • Charitable Giving
  • Family Limited Partnerships

A Disciplined Process for Wealth Mangement

Initial Plan – advisor meeting with couple

Initial Plan

  • Goals & Dreams
  • Saving / Spending Policy
  • Investment Policy
  • Asset Protection Strategies
  • Special Considerations
On-going – couple enjoying retirement on the beach

On-going

  • Comfort Zone Monitoring
  • Quarterly Status Update
  • Investment Oversight
  • Daily Re-balancing Check
  • Tax Loss Harvesting
Annual – professional team meeting

Annual

  • Company Benefits Review
  • Insurance Needs
  • Estate Plan Review
  • RMDs
  • Roth Conversions
Talk to Us About Our Planning Services