On Demand Planning™

Recognizing that all of one’s financial issues are not solved with one plan, we created On Demand Planning™. This offers our investment management clients the analysis, recommendations and advice relating to their issues whenever needed, at no additional cost and delivered by the same professionals that manage their account. We typically create an initial base plan for clients and make revisions periodically as client circumstances change.

Retirement Planning

Retirement planning involves determining how much one needs to retire and includes: savings goals, pre and post retirement spending patterns, cash flow projections, advice regarding pension elections, social security timing, etc.

Estate Planning

Estate planning involves considering the alternatives for the administration and disposition of assets before and after death.

Insurance Planning

Insurance planning involves determining the risks involved in a financial situation and ensuring that those risks are properly protected with insurance. We are mainly focused on protection from an untimely death or disability.

Financial Decision Making

Financial decisions may include a home purchase and financing, divorce, business sale, vacation home purchase, etc. We expect to help clients think through these issues.

Educational Services

Children of clients often have little financial knowledge and parents want to instill good financial habits. We offer to be present at family meetings and/or meet with children to provide a variety of financial education. We offer to help in other ways that may be requested by clients.