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Life-Integrated Financial Coaching

You likely have several financial planning pieces in place - you pay taxes, invest at least a portion of your savings, have some insurance, and maybe you have done some estate planning and retirement planning, but chances are each of these pieces was developed independently and at different times in your life.

Is it any surprise then that you’re unsure if you’re on the right track and making all the progress you could be?

To be effective, financial planning needs to be coordinated. Each piece of the financial plan needs to accomplish its own specific tasks as well as support the tasks of each other piece. We call this life-integrated financial planning, and we are experts in this area. We’ll look at your entire financial picture and help you fit the pieces together properly.

Goal Clarification and Assessment

Your goals are the picture on the cover of your financial planning puzzle box.  The better we understand what is important to you, the better we can help you structure your finances to achieve your goals.

Coordinated Investment Advice

In a well-constructed portfolio, each investment fulfills a specific function and is appropriate for your unique situations.  We will provide you with the objective, unbiased investment recommendations that are based on your personal needs so that you can make the best investment decisions.

Value-Based Risk Management

Determining how much coverage you need, what risks you can afford to self-insure, where you should buy your insurance, and how much you should pay for it are vitally important to your financial security.  We will discuss these issues in detail and help you spend your insurance dollars wisely.

Worry-Free Retirement Planning

Knowing that you will have enough money, even when the unexpected happens, is critical to any financial plan.  But retirement isn't just about money; it's also about personal fulfillment and enjoyment.  It's what we refer to as "financial independence."  We will help you plan to get the most from your retirement years.

Lifestyle Spending Review

Say the word "budget" and most people will cringe or groan.  But all it means is deciding how you will spend your money in advance so that you are making regular progress toward your goals. We'll help you understand the difference between good and bad debt, make sure you have enough set aside for emergencies and special opportunities, and, if needed, help you gain control over your spending.

Proactive Estate Planning

Estate planning goes well beyond making a will.  It involves decisions in many different areas, including the naming of a guardian for minor children, special provisions for mentally or physically disabled children, medical directives, and how to minimize or eliminate estate taxes.  We will evaluate with you the pertinent estate issues that impact your life and consider choices that you can then implement with your attorney.

Skillful Tax Planning

Careful attention to tax planning can free up money for other financial goals.  We will help you keep your tax costs low by giving them extraordinary attention.  Why should you give the government what is rightfully yours?

Flexible Services Adapt To Your Ongoing Needs

What are your unique financial planning concerns?  Saving for college is a significant financial planning issue for many families.  Other families may deal with special needs children or life-changing health events.  The jobs that seem secure today can disappear tomorrow.  Life is always changing.  That's why we view financial planning as a process, not an event, and we'll be here to help you when you need us.