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Financial Planning Concepts

Foundational Planning

  • Identify and set financial goals with a timeline
  • Establishing your net worth
  • Cash Flow Analysis
  • Personal Balance Sheet
  • Saving for education strategies

Insurance Planning

  • Quantifying your insurance need based on lost income (a scientific approach to the question about how much insurance do I need)
  • Life insurance review
  • Disability review

Debt Management

  • Reviewing student loans and repayment/consolidation strategies
  • Mortgage rate analysis
  • Managing credit card debt
  • Debt Repayment Strategies
  • Banking and Credit Optimization

Tax Planning

  • Implement Strategies to reduce your tax burden
  • Assist with referral to tax professional

Retirement Planning

  • Retirement Income Planning
  • Determine what Retirement Vehicle (Traditional IRA or Roth) is right for you
  • Estimate Social Security Income
  • Tying all of these into a retirement goal plan that can project monthly income in retirement from all sources, including social security

Investment Planning

  • Review current holdings to determine if current allocation and fees are appropriate
  • Investment advice on Company Sponsored Retirement Plans

Estate Planning

  • Review wills and beneficiary designations
  • Managing inheritance
  • Asset titling
  • Dealing with minor children as part of your estate plan
  • Charity Planning
  • Assist with referral to get estate documents prepared

Big Decision Consulting

  • New Home Buying Consulting
  • Salary Negotiation
  • Succession Planning
  • Salary & Benefit Optimization (business owner)