Other Services
In addition to core planning work like retirement planning and investment management, we help our clients in a variety of financial situations with careful, thoughtful and proven approaches.
Mortgage Analysis
A new mortgage or a refinancing can be a daunting time for homeowners. We help with careful analysis of various mortgage options, loan terms, fees and estimates of future costs. A mortgage is typically the biggest financial transaction you will undertake. We ensure you fully understand the implications of the transaction, and how your mortgage fits the bigger picture of your comprehensive financial plan.
Budget & Cash Flow Analysis
This is a critical component of all Financial Analyses, but some people need more help on it than others.
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Using your own historical spending data, we build a complete picture of how much you spend and on what you spend. This information is critical to making any changes to your spending habits you intend to make. You cannot change what you don't measure!
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Then, depending on the priorities of your financial plan, we help you set a budget for yourself and help you stick to it.
Education & Other Debt
Whether you're dealing with credit card debt, personal loans, or student loans, a well-structured debt management plan can help you regain control of your finances and pave the way toward a more secure financial future.
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Debt management strategies include budgeting, prioritizing high-interest loans, and exploring options such as debt consolidation or refinancing to lower monthly payments and interest rates. It is important to stay informed about repayment plans, deferment options, and forgiveness programs.
Employee Benefits & Compensation
Your compensation package likely includes salary, bonuses, health insurance, retirement plans, stock options, and other perks.
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You need to be well-informed of all elements of your compensation to take full financial advantage of it. Many of these elements, especially stock options, come with real risks and outsized returns. They need to be understood in the context of your risk tolerance, your risk profile and your overall financial goals.
We help build a complete and strategic approach to maximizing the benefits you see from your employers.
Insurance Planning
How much life insurance should you carry? Should you do what your insurance agent has suggested and buy a whole life policy, despite its large price tag? What does disability insurance pay? Will it cover your family's needs if you cannot work for three years? What if you cannot work at all? How much of your monthly budget will be affected? Now that you are retired, can you stop paying premiums on your term-life policy?
We know these are complicated questions and the answer depends on a lot of personal variables. We partner with you and your family to fully understand your insurance needs.
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We do not sell insurance products. So, you can trust that our advice will always be in your best interest.
Estate Planning
While we leave it to Estate Attorneys to draw up the papers, we help you with the entire process, by asking the right questions and helping you think through different options.
A comprehensive financial plan should include a comprehensive estate plan - because how you leave your financial affairs will affect your family immensely.
By creating a comprehensive estate plan, including wills, trusts, and powers of attorney, you can protect your legacy, minimize estate taxes, and provide clear directives for your heirs. Proper estate planning also involves designating guardians for minor children, outlining healthcare directives, and making charitable bequests.
