The world of personal finance can be an overwhelming place.  With no shortage of information (friends, online, TV, magazines, etc.) it’s hard to know what advice to follow nor if the advice you come across is right for you.  This information overload doesn’t help, rather adds to your level of financial stress.  Our thoughtful financial planning process is the antidote to that stress by getting organized so you can clearly think about what your financial goals are in the future, then we build a roadmap of how to get you there.  So you have absolute clarity on each dollar’s specific task as you march toward you goals.

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 (eMoney) 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 help 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 assist you with your eMoney site, which 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.

* Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial plan fee. Periodic reviews of your financial plan may require a new planning agreement and result in additional fees.

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?

* Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters. Any discussion of taxes is for general information purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

eMoney Planning Software

We use a financial planning software that serves as the nerve center of your financial universe called eMoney, a world class financial planning software and account aggregator.  This software allows us to compare the outcome of financial decisions, so you can visually see how one decision vs another has an effect on your financial future.  Benefits of utilizing eMoney as part of the planning process include:

  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 of all of your important documents: passports, business agreements, deeds to property, insurance cards, wills, trusts, etc. – all you need is an internet connection to access them and print 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.

Watch this short video to learn more about our eMoney Planning Software:


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


• Tax Minimization Strategies
• Advanced Gifting Techniques
• Family Business Integration
• Philanthropic Planning


• 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 Income Insurance
• Long Term Care Insurance
• Annuities