Personal financial planning is broadly defined as “a process of determining an individual’s financial goals, purposes in life and life’s priorities, and after considering his/her resources, risk profile and current lifestyle, to detail a balanced and realistic plan to meet those goals.” The individual’s goals are used as guideposts to map a course of action on ‘what needs to be done’ to reach those goals.
Alongside the data gathering exercise, the purpose of each goal is determined to ensure that the goal is meaningful in the context of the individual’s situation. Through a process of careful analysis, these goals are subjected to a reality check by considering the individual’s current and future resources available to achieve them. In the process, the constraints and obstacles to these goals are noted. The information will be used later to determine if there are sufficient resources available to get to these goals, and what other things need to be considered in the process. If the resources are insufficient or absent to meet any of the goals, the particular goal will be adjusted to a more realistic level or will be replaced with a new goal. Get started on this process now. Find out more…
We will design a customized benefit structure that best meets the needs of your company with competitive priced products and features.
- Insured and self-funded health plans
- Consumer-driven plans (Health Savings Accounts, Health Reimbursement Accounts
- Wellness programs
- Group Life Insurance
- Dental plans
- Vision Plans
- 401(k), 403(b), pension, and profit sharing
- Cafeteria plans-Section 125
- Disability Programs (STD & LTD)
- Voluntary benefits
- Employee Assistance Programs
- Long-Term Care
Succession Planning for Business Owners
As a business owner, we’ve developed a series of important and relevant questions for your consideration. If you know all the answers to these questions, our compliments to you for being proactive in getting your business and personal financial lives organized on a comprehensive basis. If you have not answered these questions for yourself, let’s talk about how you can do that in your own way. Find out more…
Get a complimentary analysis of your current portfolio. We’ll compare your current portfolio to your target asset mix so you can evaluate areas that may need adjustment. Get your investments on track. We’ll suggest an investment mix to help you to better align your portfolio with your goal.
Tactical Portfolio Strategies
Our tactical portfolios are designed to maximize growth in all market cycles and to minimize market risk in poor performing markets. We do that through a tactical management approach.
Our core focus is on growth and preservation of Capital. For more details, see the Absolute Return Portfolio page.
Tracking your Financial Plan and Investment Progress with eMoney
As the world evolves, the financial challenges facing you our clients evolve too. To help our clients reach their financial goals, they need to see more, know more and do more. EMoney provides visibility into all our client’s assets. So you see more, even assets you we don’t manage. You gain a holistic view of your complete financial situation, so you know more about their life style and more about your financial goals. Find out more…
Wealth management is an investment advisory discipline that incorporates financial planning, investment portfolio management and a number of aggregated financial services. High Net Worth Individuals, small business owners and families who desire the assistance of a credentialed financial advisory specialist call upon wealth managers to coordinate retail banking, estate planning, legal resources, tax professionals and investment management.