Personal Financial Planning

We are responsive to the particular needs of each client and strive to help them with a large number of personal financial planning issues at no additional charge. The following list is representative of some of the services we offer, although it is not intended to be a comprehensive list.

• Providing an analytical report that attempts to project likely living expense levels sustainable over one’s lifetime, based on a client’s assets, tax rates, assumed inflation rate and assumptions unique to each client’s spending plans and goals.
• Guidance on gifting strategies, including amounts and forms of the gifts.
• Savings strategies for specific long-term goals, such as developing a plan to fund a college education.
• Analyzing specialized client holdings, such as stock options, concentrated and highly appreciated securities, and stock purchased through employee stock purchase programs.
• Planning and calculating opportunities to use tax-deferred retirement plans for both company-employed and self- employed individuals.
• Providing guidance and analysis to assist with selecting the best personal debt choices.