Personal Financial Management Services

Based on your financial plan, we determine the amount of risk you have to take to give you a reasonable chance to achieve your goals. We determine an appropriate asset allocation and asset tilt, and buy the initial position.
The portfolio is monitored quarterly to determine if it is in balance and if any adjustments need to be made.
Quarterly performance reports are sent out so you can monitor progress.
When you want distributions from your portfolio, we help you plan for those and we manage the distributions to assure you receive them consistently and timely.
Tax implications are always discussed.

Based on your financial plan we determine the appropriate level of contributions or distributions to help you reach your savings or spending goals.
Beneficiary records are maintained and reviewed with you to be sure they are current and consistent with your estate plan.
We help roll over and consolidate plans to which you no longer contribute.

Your life insurance needs are analyzed and consistently monitored.
We review and analyze your current life insurance policies to ensure they give you adequate coverage and to answer questions where needed.
We create a performance report for you to review your policies.
We can advise with regard to premium payments, loans, withdrawals, and investment choices.
We help you identify property & casualty risks and determine if you are adequately insured.
We’ll advise about proper documentation of your non-financial assets and we can store valuable documents.
Beneficiary records are maintained and reviewed with you to assure they are still current.
Your policies are scanned into our system so we have a copy in the event your personal representative has to find it.

We maintain a record of your checking accounts, savings accounts, non-ASA brokerage accounts, safe deposit box location and other account records.
All of this documentation is available for your personal representative in the event of death.

We help you define a plan to meet your goal for paying education expenses.
We advise on how to set up savings plans that are tax-efficient and are treated favorably on the financial aid application.
Grandparent and other non-parental contributions to education are coordinated to provide the benefits without reducing potential financial aid.
We evaluate a variety of education savings vehicles to determine which are most appropriate and cost effective.

For common savings goals such as new cars, vacation homes, major home improvements, weddings, sabbaticals, or retirement, we help establish a savings plan and the appropriate savings vehicle.

Your tax returns are analyzed to determine appropriate tax-management strategies.
The cash flow projections we generate include detailed projected Federal Income Tax calculations and AMT calculations.
Tax-reduction strategies are recommended.

Your debt structure is evaluated and we provide recommendations to make it tax-efficient.
Debt payoff strategies are developed when appropriate.
We provide projections that show payoff schedules.
We help plan for future debt for major purchases.

We help you think through how you want your estate distributed.
Various strategies are “mapped out” to help you and your attorney choose the strategies that are most efficient.
Beneficiary records are maintained and reviewed with you to be sure they are current.
The titling of your assets is reviewed and monitored to assure they will pass through your estate planning documents as you and your attorney intend.
Your estate planning documents are reviewed to assure they are consistent with the estate distribution desires you expressed.
We coordinate with your attorney to assure our work on your behalf is consistent with theirs.
Your estate planning documents are scanned and maintained so your personal representative can make just one stop at our office to locate all relevant information.

Detailed cash flow projections are prepared and updated at least once per year.
Multiple cash flow projections to address your, “what if” questions are run to provide you with the information you need to make sound decisions.
Cash flow “issues” are identified well in advance so plans to deal with those issues can be developed.
We recommend tools to help you manage your cash flow and train you to use those tools effectively.

We give you custom created tools to help you manage your charitable giving.
We recommend strategies to determine when and how to make gifts most efficiently.
We evaluate the benefits of giving cash versus appreciated assets and recommend the optimal mix of the two.