Planning Specialties

Our specialties include expert cash flow development to help clients understand their spending without having to create a detailed budget.  While clients are building their assets, the cash flow is the basis for creating a tax-advantaged savings strategy and in retirement, the cash flow is used to determine the most tax-efficient way for clients to convert their assets into an income stream.  Benefits of this analysis include lowering your lifetime tax bill, identifying how much you need to save in an emergency fund and for retirement and informing other decisions such as how much life or disability insurance coverage you need.  These analyses are built individually for each client's unique spending, rather than relying on rules of thumb.  

We also specialize in helping clients feel confident in their ability to prepare for the future without prioritizing it over the present.  When clients highly value security, they may find it easier to save money than to spend it.  The transition to retirement can be an especially challenging time for savers to adjust to spending the money they worked so hard to save.  Our unique planning process is designed to help natural savers eliminate unnecessary sacrifices as they build their wealth and increase their sense of financial security in retirement so they feel comfortable using their resources to realize their goals.