FINANCIAL PLANNING

Our Financial Planning service coordinates our investment management process with a clients' short and long-term objectives, their risk exposures (personal liability, health insurance, life insurance, property insurance, etc.), and their estate plans (the purpose and eventual destination of their assets).

We serve as the financial quarterback, working with all of a client's advisors, including legal and tax professionals, to help integrate a complete plan with measurable goals and expected outcomes. During this process we review all documents and specifics, and then construct planning scenarios that forecast asset value changes.

Specific planning assignments may include:

• Building Net Worth statements and forecasting changes over time.
• Managing personal Cash Flow statements and linking those flows to investment management decisions.
• Helping to answer the question: what can I prudently withdrawal from my accounts?
• Protecting health, property, and business continuity by reviewing and recommending insurance designs.
• Recommending trust or charitable structures to effectively distribute wealth to family or non-profit organizations.
• Analyzing tax and investment structures to complement investment goals.

Like an Investment Plan, all Financial Plans should be reviewed periodically or anytime a significant event happens in the life of a client. These events may include the birth or death of a family member, changes in a client's business structure, the acquisition or loss of assets, such as a primary or secondary residence, or changes in lifetime gifting desires. In many ways, financial planning is risk management in its purest form. We strive to identify and thereby avoid financial threats and personal hazards through careful planning and analysis.