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Cash Flow Analysis

In the areas of debt reduction, budget planning, or establishing savings.

Cash Flow Analysis 

In the areas of debt reduction, budget planning, or establishing savings.

Goal Setting 

Unless written down in a clear, concise fashion, goals tend to remain just ideas. We write down and help you track your financial goals with you.

Personal Net-Worth Analysis 

Benchmarking your balance sheet (assets minus liabilities) Many people are surprised by their net worth because they’ve never seen it in black and white.

Income Tax Analysis & Reduction *

Working alongside your accountant or tax advisor, we can a develop a strategy to help you maximize your returns while minimizing your tax laibility. We also identify and help create opportunities to redirect cash flow savings above into your retirement accounts.

Education Planning 

It’s no small task these days to pay for a college education. We calculate the monthly savings or lump-sum investment needed to meet your goal, as well as help you select the education plan to save for a future education goal.

Retirement Projections 

We’ll help you answer the question, "How am I doing?"…and even more important, "What more can I/we do?" Evaluation of your current retirement savings, and alternative strategies to help ensure greater financial security throughout retirement.

Insurance Needs Analysis 

Many clients may have the wrong type of insurance, or may be greatly under or over insured given their currrent situation. Many times we can either reduce your coverage to a more suitable level, or obtain the same coverage for less premium, redirecting those savings into your retirement accounts.

Estate Planning 

Don’t let Uncle Sam become your largest heir. Leave what you want, to whom you want, when you want, by planning today, maximizing the transfer of your wealth and control while minimizing taxes.*

*Registered representatives do not provide tax and/or legal advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.