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Wealth Building for Working People

Amidst your many demands, it’s hard to find time to think about your bigger financial picture. Yet you often ask yourself complex questions like, “When will I be able to retire?” “Am I where I should be?” and “Do I have enough to pay for my child’s education?” By setting out a plan for the future, you’ll have confidence and peace of mind knowing exactly where you are, and how to get where you are going.

For hard working professionals, Financial Planning can simplify your finances, build and protect the wealth you’ve earned, and put you on track to the future you desire.

Financial Planning for Working People

Financial Advising: With a strong financial plan, you’ll take control of your personal finances, and enjoy peace of mind knowing that everything is on track.

Retirement Planning: It’s the day you dream of but you sometimes wonder if you’ll ever get there. While you are still in the workforce, ensure that your retirement investments are working as hard as you.

Tax Planning: Whether you are bringing in income from multiple sources, or simply earning more, we’ll work to maximize your deductions, ensuring that you can keep more of the money you’ve earned.

Wealth & Estate Planning: Protect the wealth you’ve built by constructing a strategic and thoughtful estate plan.

How It Works

Your package includes a personalized, comprehensive financial plan that is the byproduct of several working meetings in which we will get to know you and your goals. Also included are two 3 and 9 month check-ups to make sure that you are on track and that your financial plan is working for you. We will then leverage this information to create an integrated financial plan that will serve as a blueprint in achieving your goals and meeting your needs.

Together, we will work to understand your goals, how you wish to protect your assets or define your legacy, and where you see yourself in 5, 10 or 20 years. Together, we will analyze your cash flow, savings, debt, insurance, employer benefits, tax saving opportunities and estate plans. We will then leverage this information to create an integrated financial plan that will serve as a blueprint in achieving your goals and meeting your needs.

Your Plan Will

  • Provide an overview of where you stand financially.
  • Redefine spending and saving goals based on your priorities, including:
    • Automate saving programs to give you back time in your life.
    • Determine income in retirement goals, define savings required to meet these goals, and update all parts of retirement planning including employer qualified and non-qualified programs as well as IRA and other options.
    • Determine 529 drawdown or savings plan, or set up additional college funding options.
    • Create any additional saving accounts required to meet your goals.
  • Review and analyze your credit score, and provide upgrade advice, if necessary.
  • Ensure your insurance protection has kept pace with your needs.
  • Review employee benefits and employer retirement plans to gain synergies between personal and employer savings.
  • Teach you critical tax saving strategies.
  • Prepare an estate plan to minimize taxes and ensure that your custodial, financial and medical wishes are carried out.
  • Create a checklist that will help you review and update beneficiaries.
  • Improve your financial literacy.