Independent, objective advice designed to help you achieve your financial goals in one or more of the following areas:

Cash Flow Planning

• Are we saving enough to retire?
• How can we develop a spending plan to help us achieve our goals?
• What level of cash reserves should we maintain?

Liability Management

• Is our debt structured in a tax-efficient manner?
• Should we accelerate paying off our mortgage vs. using opportunities to accumulate cash?
• Should we lease or buy our cars?

Income and Asset Protection

• How much and what type of life and disability insurance should we have?
• Do we need long-term care insurance?
• Should we be transferring or retitling our assets for liability, estate or long-term care purposes?

College Planning

• How much should we be saving for our children’s education?
• Should we open a 529 plan?
• Should funds for college be held in our children’s names?

Estate Planning (Using a “Team Approach” Working With Your Attorney)

• Do our wills and trusts match up with our wealth transfer wishes?
• Are our assets titled correctly and have we set up appropriate beneficiary designations for our retirement plans and insurance policies?
• Does our current estate plan minimize estate taxes?

Investment Planning

• Is our current asset allocation appropriate given our long-term financial goals and risk tolerance?
• How do we incorporate our 401(k) or 403(b) plans into our overall investment strategy?
• How should we structure our portfolio to maximize our after-tax return?

Socially Responsible Investing

• If we desire, can we create a well-diversified SRI portfolio?
• Do options exist for investing in alternative energy?
• Is there an opportunity cost to maintaining an SRI portfolio?

Fees for our financial planning services are based on your specific needs and circumstances and are quoted on an hourly basis. Our hourly fees range from $160 per hour to $280 per hour.