Financial Planning

Financial Planning

We make this a streamlined and rewarding process that keeps clients on track for a better future.


"In theory, practice and theory are the same. But in practice they're different."
Yogi Berra, Yankee and Hall of Famer

"Failure to prepare is preparing to fail."
John Wooden, UCLA basketball coach

We don't really know if Yogi Berra said that, but John Wooden is famous for his quote which is really attributable to Benjamin Franklin. We like that all three realize the need to have a plan for the future.

We make the financial planning process easy, interesting and rewarding. We learn our clients' situations after which we present a tailored set of recommendations including but not limited to:

  • An appropriate investment portfolio for individual and work-related portfolios
  • Retirement projections
  • Increasing Retirement income
  • Meeting savings targets
  • Improving asset and wealth protection
  • Consolidation of multiple investment accounts
  • Meeting education costs


Key Points

  • Throughout the process we answer any questions that arise.
  • We provide continuing personal finance advice so that clients have the best chance at reaching long-term goals.
  • After the initial plan is implemented we conduct periodic reviews to ensure clients are on track to meet goals.
  • We work comfortably with a client's CPA and attorney/s to craft appropriate, tailored strategies for the client.


Information Provided By The Client
For a successful plan clients need to provide the following information:

  • Recent statements for all financial accounts
  • Information on real estate, including current value, type of mortgage, interest rate and remaining balance
  • Employer booklets on employer-provided insurance, pension or retirement plans, and other employee benefits, including stock options or deferred compensation plans
  • Insurance policies, including life, disability, long-term care
  • Copies of the latest tax return and most recent Social Security Statement, if available
  • A list of any other financially-valuable assets not mentioned above
  • A list of debts, including interest rate and amount owed
  • Information on wills and trusts, including the extent of estate planning


Clients also need to have answers to these questions:

  • What are monthly expenses?
  • What is total monthly income?
  • How much money is regularly contributed to savings or retirement?
  • Does the client anticipate any major one-time expenses in the foreseeable future?
  • Does the client anticipate any major one-time receipts of income?
  • There were times growing up when we all made comments such as, "When I grow up, I ________" "Before I die, I ________" or "After I retire, I ________". These are experiences we've always wanted to have, whether of peoples, places, subjects or hobbies. Clients need to be ready to talk about these, both as individuals and as couples.

Contact Us

A better tomorrow for you and those you care about.

Website Design For Financial Services Professionals | Copyright 2022 All rights reserved