We offer both comprehensive financial planning services and target-oriented financial planning services. Comprehensive financial planning addresses client objectives, and develops strategies relating to cash flow, tax, retirement, investments, insurance, estate issues, and special needs. Target-oriented financial planning addresses one or more of these areas.  What results can you expect from our services?  While we cannot guarantee performance or results, we can provide a list of results you may expect from a typical financial plan.  These are:

1. Set Goals. We will help you define realistic goals.
2. Face-to-Face Meetings. We will conduct a series of meetings designed to educate you on finance and your options. Our goal is to help you make the financial right decisions
3. Budgeting. We will help you develop a realistic budget for retirement.
4. Cash Flow Projection. We will prepare a cash flow projection to illustrate your future cash position
5. Net Worth Projection. We will prepare a net worth projection to illustrate your future financial condition.
6. Retirement Projections. We shall deliver a set of retirement projections and recommendations, after a “what-if” analysis, that indicate the steps you should take to reach your retirement goals.
7. Withdrawal Rate Illustration. We shall recommend a safe initial withdrawal rate for you.  This, under the right assumptions, should generate an income stream plus its inflation adjustment for 30 years.
8. Funding Ratio Illustration. The ratio will allow you to determine when you might become underfunded—that is, when your nest egg will not be able to continue to generate the income you will need in the future.
9. Cannibalization Rate. You will be able to see the difference between your expected rate of return and your withdrawal rate.  The greater the difference, the faster you deplete your capital.
10. Six Decision Rules. We will provide a set of rules to help you manage the withdrawal rate so you can minimize the chance of outliving your savings while increasing your income.
11. Risk/Return Profile. We shall identify a required rate of return and risk level that may  reflect your profile.
12. Asset Allocation Strategy. We will recommend an asset allocation strategy that, historically, has earned your required rate of return and falls within your risk parameters.
13. Critique of Your Current Portfolio. We shall prepare a critique of your current asset allocation using your recommended strategy as the benchmark.
14. Specific Investment Recommendations. We will provide a list of initial investments to implement the recommended asset allocation strategy.
15. To-Dos and Recommendations. We shall provide a list of to-do and recommendations after most meetings that should be followed to implement the recommended strategies