FINANCIAL PLANNING
We begin by working with you to develop a comprehensive appraisal of your goals.  This includes a definition of the funding need, time horizon, and prioritization of each.  We conduct a review of your overall financial position, including areas such as cash flow, risk management, tax strategies, and estate planning needs. 

The financial planning process can help answer questions such as:

• How much do I need to save for retirement?
• Should I contribute to my 401k?  What about a Roth IRA?
• What retirement account should I use if I’m self-employed?
• At what age can I "retire" or stop working and transition to the next stage of my life?
• Can I buy a house and still meet my other goals?
• What kind of house can I really afford?  What is the optimal way to finance it?
• How much should I save for my children’s education? 
• Where should I invest college savings?  Who offers the best 529 plan for my situation?

We then develop a needs analysis and action plan with specific recommendations for your situation.