Tax-Smart Financial Planning Framework

Financial planning is a process through which an action plan is created with the goal of converting financial dreams into achievable financial goals. Your goals could be saving for a Mediterranean cruise to spend quality time with your loved ones, buying a nice home to help provide comfort for your family, funding college education to provide for the best start in a child’s life, or building a nest egg to help reach a comfortable retirement.  We utilize an 8-Point Tax-Smart Framework for financial planning to help give you a unique advantage in your planning and to help you maximize your financial potential by keeping more of what is yours.

1. Cash Flow & Debt Management

We provide you a holistic view of your finances, establishing a plan that is designed to allow a greater portion of your earnings to be prioritized towards goals.

2. Distribution & Retirement Planning

We work with you to help meet retirement goals in a manner that is designed to limit the taxability of your retirement funds, with the goal of lasting beyond your lifetime.

3. Investment Planning

Our goal is to allocate investments appropriately and efficiently place them in the right accounts to help minimize annual tax consequences — thus helping you to keep more of what is yours.

4. Family Risk Management

Family Risk Management is insurance planning using products that have tax advantages to help ensure those you love are taken care of and the benefits you want them to have are preserved.

5. Education Planning

Education planning involves guiding you through a process of investing in the future of your children and grandchildren with the use of tax-advantaged investment vehicles such as 529 plans and even life insurance.

6. Legacy Planning

With legacy planning we create a master plan using a carefully designed process to help minimize potential taxes, thereby maximizing the assets you wish to leave to your loved ones.

7. Business Planning

If you are a business owner, we can help you take into consideration all the possible tax implications of a legal entity, such as business structure, retirement plans, compensation, business insurance, and other issues.

8. Special Situations

With funds set aside for life events, such as a wedding or vacation property, there may be tax considerations that we can help you prepare for so your money goes as far as you need.