Broker Check


“Plans are nothing; planning is everything.”

– Dwight D. Eisenhower

Financial Strategy & Goals-Based Planning

Seek to building a solid foundation using goals-based, financial planning that is on-going and accessible so we can focus together on meeting and exceeding important milestones, regardless of market conditions and performance.

1. Goal Setting and Planning

  • Develop, implement and monitor all financial goals
  • Calculate net worth and review cash flow annually
  • Conduct annual planning evaluations and tracking of goals
  • Provide proactive follow-up on action items
  • Provide advice on healthy financial behavior, e.g. wants vs. needs

2. Retirement Planning

  • Evaluate pension plan structures, IRA’s, Roth IRA’s or qualified plans
  • Analyze distribution options for pensions
  • Calculate retirement plan benefits, including Social Security
  • Calculate IRS Required Minimum Distributions (RMD’s) and educate on regulations
  • Provide Roth IRA conversion calculations and advice
  • Educate on how the timing of retirement will affect retirement lifestyle
  • Review and update goals, objectives and priorities to analyze the impact of these changes on overall financial situation
  • Update financial projections to monitor the effect of stock and bond markets, changes to cash flow needs, risk tolerance and other variables
  • Analyze the effects of inflation on financial goals
  • Provide stress test analysis of portfolio, i.e. Risk Tolerance
  • Provide Social Security analysis and optimization

3. Educational Planning

  • Evaluation of the various vehicles for educational savings and selection based on individual needs
  • Monitor age of student(s) to ensure proper allocation based on risk tolerance and time horizon
  • Provide guidance and advice on financial aid and scholarship funding
  • Monitor state and federal tax laws for changes to education benefits, contributions, credits and deductions

4. Net Worth Statement and Balance Sheet

  • Gather and analyze information to create household balance sheet
  • Analyze debt structure and organization; assess lending opportunities
  • Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs, accelerated payment programs and PMI reduction strategies
  • Calculate net worth
  • Monitor net worth to ensure the financial plan is working to preserve and grow assets
  • Help prioritize spending and prepare for potential pitfalls
  • Look for opportunities for additional savings

5. Benefit Plan Analysis

  • Provide advice to maximize employee benefits
  • Annual analysis of employee benefits
  • Provide stock option strategies
  • Provide advice on employee stock purchases as a part of overall investment strategy
  • Monitor contributions to retirement plans

6. Net Worth Statement and Balance Sheet

  • Provide information about tax-planning strategies
  • Work in symphony with CPA to enhance tax efficiencies in overall financial plan
  • Assist CPA with gathering data
  • Simplify tax reporting
  • Discuss tax benefits of optimizing 401(k), 403(b) or other retirement plan options
  • Provide information on the benefits of section 125 plans and health-savings accounts
  • Help reduce taxation of Social Security benefits
  • Provide advice on possible benefits of Roth conversions
  • Monitor tax law changes and the impact on overall situation
  • Establish and track cost basis on taxable accounts
  • Provide advice on retirement plan distributions prior to age 59 ½
  • Provide advice on Required Minimum Distributions (RMD’s) after age 70 ½

Have a Question?

Thank you!