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Financial Planning

All financial planning is interrelated.  We believe it is imperative that investment decisions be part of the overall “big picture.”  Such as, you may find yourself having an imbalance in asset categories (too much in stocks and not enough cash) to meet your near-term needs, overlooking the tax consequences of portfolio activity, or perhaps neglecting to properly title assets to meet long-term estate planning goals.

Whatever you require, we can provide the assistance you need.  It might be a review of your overall financial picture that helps you see what you have today, how you are building for tomorrow and what effect different variables will have on the results.  A solid financial plan allows you to see where you are and helps you organize and participate in reaching your future goals.  It is measurable and flexible and helps keep you on track.

Throughout life different types of financial planning take on increased significance. Retirement Planning is always a consideration for people, and requires even greater emphasis as they approach middle age and beyond.  Education Planning is one of the first things parents and grandparents often consider when they welcome a new baby.  Estate Planning helps insure the effective transition of wealth from one generation to the next.

Businesses also need to consider long-term financial needs and to plan appropriately. Small Business Planning involves balancing the needs of both the employer and the employee to insure long-term success.  Non-Profit Business Planning requires investments, policies and procedures that insure survival of the organization in perpetuity.