Our Solutions
Financial planning is more than just investing. A lot more.
We are here to help you in all areas of your financial life. Here are some examples.
Ongoing financial guidance because life happens and plans change.
Financial planning is not a one-time event. There is an initial financial plan, but that is just the beginning. Life changes, things happen, and money goes into motion. We'll regularly schedule reviews and are always here when you need a check-in or want to ask a question.
Investing that won't make your head spin
Yes, we often talk about how there is so much more to financial planning than investing. So much of the industry is too focused on this one thing, and we know folks are looking for more, and we provide that. However, investing is important. Doing this right can be the difference between confidently working towards your goals in the time frame you want and financial disaster. Our philosophy is to help clients achieve their desired outcomes with as little volatility (headaches) as possible. To accomplish this, we use a technique called minimum variance optimization. It's cool, and we'd love to tell you all about it.
Cash flow is king.
Cash flow and goals are the two most important parts of creating a financial plan. Why? Goals cost money, and new money is saved from cash flow. Oh, and achieving goals leads to great things. So we will spend a lot of time designing a cash flow system that helps you automate putting money where it needs to go to support your goals.
It's like eating veggies.
Insurance is like eating your veggies; you hate it, but you know it is good for you. What good is having a lot of savings and investments if one unfortunate life event could wipe it away? We'll look at your unique situation and find out if any risks need to be taken care of. The good news is that we don't sell insurance, so we'll help you only get what you need.
We battle Uncle Sam Together.
Tax planning is not the same as tax preparation. The goal of tax planning is to minimize your effective lifetime tax. In other words, keep your cumulative lifetime tax bill as small as possible. This can be the difference between hundreds of thousands of dollars you keep in your pocket. We use many techniques and strategies to accomplish this, and we do it efficiently and consistently with the help of technology. We will also be happy to communicate and collaborate with your accountant.
Let's make a plan that will stick to crush your debt.
Having unwanted debt, even if it is attached with feelings of guilt or shame, does not preclude you from working with us. We'll work with you to set up a plan to tackle the debt and work with you to identify the root causes of the debt and address those.
Let's make sure your legacy is set in stone.
Estate planning is all about making sure you have a plan and made arrangements for what happens to your assets and estate when you pass away or become incapacitated. Too many Americans still need to complete basic estate planning, and we will help connect you with the right services and/or attorneys to help you get everything squared away. We will also look over your plan periodically to make sure everything is current.
Get as much as you can from your employer.
We've talked to many people who are unaware of how much of their compensation is from work benefits. From employee matches, health insurance opportunities, insurance and fringe benefits, there may be opportunities to save thousands of dollars simply by optimizing your benefits. We'll read through the boring benefits manual and help you select the best options. We'll also help you make sense of and put your equity compensation to work.
Which services do you need? Let's talk about it.