Financial Planning Services

We offer the full services of a Certified Financial Planner ™ All financial planning services are included in the agreed upon fee and are also available on an hourly basis for financial consulting clients. Services frequently requested are:

Retirement Plan

Basically this is a projection to determine feasibility and conditionals of retirement at a given age. We employ a projection that includes a randomizer to simulate hundreds of variables in market return and life expectancy. This offers clients a more realistic evaluation than a flat “yes” or “no” based simply on an assumed annual rate of return.

Cash-Flow Projection

To help clients determine the long-term effect of a proposed major change in income or expenses, we offer a cash-flow projection report. Many clients find this especially useful when evaluating a major purchase, such as a new home or vacation home, in relation to future college costs and retirement.

Estate Plan

This involves gathering and preparing information – including an illustration of the tax-saving benefits of various trusts – for the execution of a will or trust by an attorney. We have no business connection with any attorney although we have worked with several in this community. We can also review and evaluate existing or proposed estate plans.

Life Planning

Life Planning is the way we work with clients as whole people. The effects of a financial situation permeate all aspects of life. Our knowledge and skills can help a client through the financially stressful times that occur even in carefully managed lives. As lives change we may offer connections to other services as well.