Financial Planning
Retirement Planning
We gather information about you and your specific wants, needs and goals. Only after that, are we able to begin the process of addressing these areas and finding the appropriate solutions. Retirement planning has dramatically changed. At one time, it was easy to set a goal of a specific rate of return on your investment, but with an aging population and changing lifestyles, today we need to manage these plans on the probability of living much longer and lifestyle modifications.
Most people would agree that they want as much of their estate as possible to go to their designated beneficiaries and as little as possible to the government. A properly developed estate plan will assist in lowering potential taxes due at passing and speed the process of estate distribution. We are here to help you address this issue and work with your accountant and lawyer if needed.
We would always want the best for our children. One of the best ways to ensure a successful future for our children is to provide for an education. Tuition fees have dramatically increased over the past number of years and are expected to continue to increase. The government has programs to assist parents and grandparents in saving for their children’s education. We can help. We will sit down with you and together we will plan for your child’s future.
Not only can you give to your favorite charity during your lifetime, you can also provide for them after passing. This can also help to lower your taxes at death.
Life’s obstacles can thwart the best plans. It may be a premature death, a critical illness or a disability. Within moments a lifetime’s worth of saving can disappear. We work with you to help you understand these risks and how you can establish a program to avoid the potential devastation.
As a business owner, you may be a sole proprietor, have a partner or be incorporated. In the event of a life-altering incident, you would want to have a program in place to address the potential interruption that may occur and help banks, suppliers and customers feel comfortable that their risks are lowered.