Comprehensive Financial Planning

We don’t think that a financial plan should end with us handing you over a three inch thick binder of numbers and recommendations. We’ve found that rarely do clients go back and reference those plans (who likes binders anyways?) often the numbers are outdated the minute they hit the printer. Instead, as part of our planning fee, we’ll build you your own financial website. This website does several things:

  1. Organizes and aggregates all your existing accounts with values that update automatically every night. Tracks your net worth by updating the value of your assets, and can easily generate a balance sheet for banks or lending institutions if needed.
  2. Creates a vault that stores copies all of your important documents: passports, business agreements, deeds to property, insurance cards, wills, trusts, etc. – all you need is an internet connection anywhere in the world to be able to access them and print them out as needed.
  3. Holds you accountable. Is the budget you gave us in line with reality? Each day, you can log in and see where you are with each spending category relative to your ideal budget number.
  4. The backbone of your financial plan – this is where all of your planning data lies, so it integrates with your updated account values over time. Financial planning isn’t something you do once, it’s an ongoing process. We can manipulate “what if” scenarios and visually illustrate how those choices might affect you in the future to help make the best decisions for your money.

The outcome of our planning process is a detailed financial plan addressing all areas of your financial situation. The goal of the plan is to gain clarity and organization of your financial world.

First, we will help identify and define the key financial goals that are important to you and your family. Next, we organize your finances with our planning software in order to benchmark progress relative to your goals. Finally, we present your plan and explore the strengths and weaknesses of your current financial situation and the costs and benefits of alternatives to ensure your plan fundamentally aligns with your goals.


There are four major stages of our financial planning process; goal setting, financial coordination, financial modeling and plan implementation.

Goal Setting

Goal Setting is a discussion that goes beyond identifying your financial goals. We talk about your emotional relationship towards money, as it relates to those goals. Often times, our money habits are ingrained from our upbringing. We help the partners in any relationship, either personal or business, align their views so that all parties share a common vision for their financial goals.

Financial Modeling

Financial modeling involves mapping out the most efficient way for you to achieve your financial goals. These models will include revenue projections from all income sources, and balance them with your anticipated outflows. In addition to revenue and expense projections, we will provide guidance on the utilization of different savings vehicles to minimize taxes during both the accumulation and distribution phases of your life.

Financial Coordination

Financial coordination includes an initial inventory of your financial documents to provide an organized snapshot of your current situation. At this point, we will coordinate and collaborate with all of your advisors to confirm accuracy. We’ll create a custom web site that allows you to track all of your financial matters together in real time. Upon completion our team will provide you with a detailed summary of our findings, which will include identifying gaps in current planning and opportunities to improve your financial situation.

Plan Implementation

Plan implementation takes place towards the end of the initial financial planning process. At this point, we review the steps to implement the recommendations. Some typical implementation steps may include; taking advantage of tax saving opportunities, reallocating investment assets, updating estate planning documents, creating a systematic savings plan, recommending appropriate amounts and types of insurance, planning proper debt management, and achieving charitable objectives.

Questions We Address

Do I have the right amount and type of insurance?

Life, Disability Income? Are they coordinated with my other assets and legal documents?

Long-term Care Planning – the cost of living a long life, should I self-insure or purchase insurance? When is the best time to do so?

Do I have the appropriate auto/home insurance coverage?

How do I determine the proper deductibles?

How much Umbrella Liability coverage should I own, with my level of assets and potential liabilities?

How can I reduce the level of risk in my portfolio?

How are my various investments performing relative to their respective benchmarks?

Should I allocate my IRA’s, 401(k) and deferred compensation accounts differently than my taxable accounts?

How should investment properties be titled? LLC, Partnership, etc?

Should I diversify using alternative investments or Real Estate Investment Trusts?

Can I reduce the tax bill on my investments, given the current higher tax rate environment?

Are my estate planning documents appropriate, up to date and consistent with current tax codes? Wills, trusts, durable power of attorney, medical directive, etc.

Should I establish more complex estate planning techniques like GRATs, FLPs, QPRTs, etc.

Who can make sure I am sending out the appropriate Crummey notices each year for my life insurance trust?

Where are all my important documents? (Deed to house, tax returns, wills, login passwords, etc.)

Are there trusts I should be using?

Revocable Trusts, Special Needs Trusts, Irrevocable Trusts, Generation Skipping Trusts, etc.

How do the new tax law changes affect me? Are there ways to mitigate those taxes?

How should I actively manage capital gains and losses throughout the year?

Is there an optimal time to be exercising ISO’s, NQO’s?

What investment programs might be appropriate that give me tax savings against current income, such as oil/gas partnerships, federal housing projects and conservation easements?

Is our company retirement plan appropriate? How can I best maximize benefits?

Is my shareholder agreement properly funded in the event of a premature death, disability or retirement?

Are there any other group benefits that we should put in place that can provide additional tax savings and/or benefits to my family?

What are ways to reward, but also retain, some of my key-employees through “golden handcuffs” type arrangements?



• Fee Based Financial Planning
• Asset Allocation Analysis
• Retirement Income Needs Analysis
• Education Planning
• Budgeting and Cash Flow Analysis
• Life, Disability and Long Term Care
Insurance Needs Analysis




• Estate Tax Projections
• Tax Minimization Strategies
• Advanced Gifting Techniques
• Family Business Integration
• Philanthropic Planning
• Trustee Services




• Securities Brokerage Services
• Institutional Managed Accounts
• Passive Investments
• Alternative Assets
• Tax Efficient Strategies
• Socially Conscious Investments
• Variable Annuities
• Retirement Income Strategies
• College Funding




• Life Insurance
• Disability Insurance
• Long Term Care Insurance
• Annuities