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What We Do...
No two client situations are exactly alike, so we will typically customize our services to fit your specific needs and financial situation.
Having said that, the work we do generally falls into one of three categories: Comprehensive Financial Planning, Investment Planning, or Modular Financial Consulting.
Also see "How We Work" for more on what to expect when you become a client.
Comprehensive Financial Planning
This is our most complete service offering, and one that we believe offers the greatest long term benefit for most clients. We perform a thorough review of all aspects of your financial life. This typically includes an analysis of your current financial position, insurance, taxes, investments, retirement planning, college funding, and estate planning.
The central focus of this exercise is defining and prioritizing your major financial goals... buying a new home, saving for college, retirement age & lifestyle, etc... and then designing a realistic plan to help you achieve those goals.
We will provide you with a written report summarizing our analysis, recommendations, and specific steps to be taken in the near term - and we'll go over the recommendations with you in person to explain our rationale and to answer any questions you have. You are then free to implement the plan yourself, or to hire us to assist with implementation of some or all aspects of the plan.
Investment Planning (a.k.a. Portfolio Reviews)
We evaluate your complete savings and investment picture, including bank accounts, 401(k)'s, 403(b)'s, IRA's and brokerage accounts, college saving accounts, employer stock and options, etc.
Then we will prepare a detailed report
illustrating the strengths and weaknesses of your current portfolio and suggesting areas for improvement. We go beyond generic asset allocations, and recommend specific investments to be held in each of your accounts.
We're often asked if we'll help you choose among the various funds available in your company retirement plan, and the answer is "absolutely". If you'll provide us with information regarding the choices available in your plan, we will recommend the ones that are the best for you, taking into consideration all of your other (outside) investments as we do so.
Modular Financial Consulting
If you only need planning help in one or two areas, or just need an answer to a very specific or urgent question, we're glad to provide advice on a "modular" basis. Just give us a call to discuss your situation, and we'll let you know how we may be able to help.
Contact us for more information.
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