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What is Personal Planning

Creating a road-map for your financial future

Creating a road-map for your financial future

Building a stable financial life is a goal shared by all of us.  This journey however, is often interrupted by life events and a lack of clear priorities.  Our role is to organize your financial world, identify what is working, and what needs attention.  It is a step by step process that creates a foundation for future guidance and decision making.

Financial planning evaluates your current situation, and provides forward looking analysis to help you grow and manage your wealth.  Topics such as budgeting/cash-flow, investment strategies, insurance needs, estate considerations, and tax minimization strategies are foundational to good planning.   

We offer targeted solutions for investments, insurance and retirement, as well as comprehensive Financial Planning options for individuals and business owners.  Scroll  Down to learn more our planning process and tools. 

   

Our step-by-step process serves to organize, and guide you to a better financial future   

   

Protecting Your Family

Protecting Your Family

Life is busy.  It's easy to overlook what would happen to your family financially if tragedy hit.  Protecting the economic security of your family is critical.

Whether the goal is to protect your family in case of a Death, Disability or Long-Term Care event:  we can guide you to appropriate solutions for your family.

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Investing for your future

Investing for your future

Creating a stable financial future is a goal everyone shares.  While there can be many challenges, a sound investment strategy can allow you to achieve your goals. 


We take time to understand where you need to be, and advise you on the strategies and wealth management solutions that contribute to financial success.

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Retirement Planning

Retirement Planning

Enjoying retirement is an important goal.  So is not running out of money.  Getting there, however, takes time, effort, and planning.   


Let our experience help you in the many decisions around retirement.  From lifestyle considerations, investments, social security, and insurance, we break down the complex and make it simple.

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Special Needs Planning

Special Needs Planning

There is perhaps no more challenging role then that of caregiver to a child or adult with special needs.  Special Needs Planning addresses how to organize your finances while minimizing taxes and the risk of disqualifying access to government or community resources.


We are happy to work with you and provide information on the unique strategies necessary to provide stability for the ones you've worked so hard to care for.


 

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The Living Balance Sheet®

The Living Balance Sheet®

The Living Balance Sheet® is a powerful tool that helps clients organize their financial world, and understand where they are and where they seek to go.  We provide all of our clients a complimentary personal LBS website so they can see what we see, and visualize the important aspects of their financial lives, from cash-flow to assets, liabilities, and protection needs.  The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2020 Guardian.

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