Create a system to track your income and expenses, and your assets and liabilities, which will help give you critical decision making tools as you work towards your financial objectives.
Construct a portfolio with intention, appropriately allocating assets based on your risk tolerance and return objectives, with respect to your time horizon and personal goals.
Whether you’re in the accumulation or distribution phase, leverage the appropriate strategies to provide for your financial independence. Understand the role of complex government programs such as Social Security and Medicare.
Be mindful of tax-efficient opportunities within your financial ecosystem, including Roth conversion strategies, tax gain and loss harvesting, deductions and credits, taxable income control, and asset location.
Right-size your emergency fund and review risk mitigation tools such as life, disability, health, long-term care, property, and liability insurance. We can help you evaluate your coverage relative to your personal financial risks, without being sold products.
Make an intentional plan to protect your family now and direct your assets later by reviewing your account titling, beneficiary designations, wills, trusts, appointed guardians, and powers of attorney. Ensure your legacy is carried on per your wishes.
Calculate and plan for education costs, college financing opportunities and student loan repayment strategies.
Fully review your employee benefits package, qualified retirement plans, deferred compensation, and group insurance choices, to ensure you are taking full advantage.
Prepare for major purchases, career transitions, relocation, marriage, children, caring for others, and whatever else the future may hold. A proactive plan will help you make these decisions with confidence.