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Personal Planning

To us, financial planning is a personal endeavor to create the best life possible for you and your family, no matter what size that family is. We define “the family enterprise” as all things you and your family are involved in. From your career to the business of running your home to retirement assets, philanthropy, volunteerism, goals, values, real estate, and much more - your family is a complex structure. Some parts of your family enterprise may include a business you own, or collectibles, your hobbies, and your children’s hobbies. Surrounding your family is the structure you have created to run this enterprise.

We are here to help you manage your family enterprise at the highest level, continually working towards greater efficiencies, increased wealth and stability, and a more satisfying quality of life.

What goes into your family enterprise?

Cash-Flow Management - Managing your personal balance sheet includes gaining clarity around what comes in and what goes out. This sheds light on your level of debt and spending habits and helps you tighten up where needed, create specialized savings buckets for particular goals, and a budget that works for you and your family.

Risk Management - We can’t avoid it - risk comes with life - it’s a simple and unavoidable fact. What we can do is prepare for the risks unique to you by protecting against them in advance. By looking at strategies for protecting your income and solving longevity risks with tools like long-term care planning and insurance, we can stay ahead of life’s curveballs.

Insurance - Stuff, we all have it and it all needs protecting. Your house, your car, even your body. By taking an in-depth look at your unique life and the things in it we can create a tailored insurance strategy that protects you, your family, and all that comes with it.

Tax Planning - Creating a strategy to mitigate tax erosion of your assets is one of the smartest decisions we can make. When you have a tax-liability strategy in place, you are essentially giving yourself a raise and putting more of your money to work for you.

Retirement Planning - Retirement planning builds toward a future of financial freedom, security, and a comfortable and stress-free lifestyle. Retirement planning helps prepare you for living after your working years have ended. This is contingent on many factors, such as the age you would like to retire, the amount of savings you will need to cover your expenses in retirement, and the sources of that income.

Estate Planning - Estate planning is about protecting your loved ones. No matter how big or small, everyone has an estate. Your estate consists of everything you own: your car, home, other real estate, checking and savings accounts, investments, life insurance, furniture, personal possessions, and so on. Without a plan, you will not be able to control how these things are distributed to loved ones or organizations after you pass. To rest assured that your wishes are carried out, you will need to provide instructions regarding whom you want to receive your assets, what you want them to receive, and how they will receive them. An essential component of estate planning is transferring assets to heirs with the lowest possible tax burden for them.

Educational Planning - According to the College Board, the current average cost for one year of tuition, fees, room, and board at a public college is $22,180 and $50,770 at a private college, though many private colleges cost substantially more. These figures include direct costs only - in other words, the costs that are actually billed to you. They don't include books, personal expenses, transportation, or food, which vary by student. If you’re tempted to blow that stuff off, take a second to think about how much food a teenager can eat. Multiply all these factors by four and one thing becomes crystal clear, saving for college as soon as possible is a must.

Managed Accounts - We provide our clients access to best-in-class institutional money managers. Our ability to use these managers allows our clients the same level of investment power and service normally afforded to large institutions or endowments. Through this access, we can manage your wealth at the highest levels of expertise.

Securities Based Lending - Through our partnership with AssetMarkⓇ Trust Services we are able to provide our clients with competitive interest rates on securities-backed lines of credit; interest-bearing checking accounts linked directly to investment accounts and an easy application process for all services.


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