Financial Planning

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Life Stages

Where are you on this spectrum? We can help, even if you are in catch-up mode.

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We educate. We coordinate. You relax.

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We comfortably educate and guide you through the financial planning process, step by step. Our clients enjoy efficient and graphic web-based presentations. We provide real-time, accurate and secure data aggregation to combine all of your account data into one log-in port and one plan. You can hold your investments at different institutions and finally see them together in one place!

You have full access to your financial plan via MoneyGuidePro®, a top-rated planning software, right from your home.

Partners in success

We carefully listen to your concerns, consider all aspects of your situation and put our knowledge and experience to work to tailor your plan. We maximize your personal preferences so that no opportunity is lost. Through the process, we provide these services:

  • Retirement income strategies

  • College planning

  • Tax reduction strategies and stock options

  • Diversified portfolio management using low-cost index funds

  • Mortgage and reverse mortgage advice

  • Protection analysis and guidance regarding non-commissioned insurance policies: term life, permanent life, disability and long-term care (Note: We do not sell insurance.)

  • Social Security maximization strategies

  • Estate conservation: consideration for wills, trusts, beneficiaries and powers of attorney

  • Charitable giving considerations

  • Coordination with your other professionals: attorneys (wills and trusts), accountants (taxes), bankers and insurance agents. We take no referral fees.

Flexible Planning Options

After a complimentary consultation, we charge as follows, depending on which options you choose:

  • Financial plan only: Flat fee of $400.00. Retirement, investments and more. We can still advise you on your investments, even if we don’t manage them. We use the MoneyGuidePro® software, which you can also access online. Ongoing plan review and adjustment is available at $100.00/hour.

  • College planning: Complimentary as part of a financial plan. Without a plan, flat fee of $400.00. We use the College Aid Pro™ software developed by Capstone College Partners™, which you can also access online. Ongoing plan review and adjustment is available at $100.00/hour.

  • Asset management: Charged as a percentage of assets under management at our firm. A financial plan and ongoing planning are included in this fee. We touch base and adjust quarterly, and we meet annually.