Our Services

Defining the scope of the client relationship

It’s important that client and financial planner mutually define the scope of their planning relationship. Doing so enhances plan creation and clarifies roles and expectations. Not all clients need or want comprehensive financial planning all the time. For some clients, financial planning begins with a triggering event and ends when the circumstance resolves. Others are reassured knowing their plan is routinely updated as their goals, situation and feelings change. Please indicate the financial planning areas you wish to include in your plan.


Client Role and Responsability

  • Participate candidly in planning meetings and progress reviews
  • Provide accurate, complete, financial data in a timely fashion
  • Ask questions until satisfied with explanations
  • Consider findings and evaluate recommendations with an open mind
  • Review and approve strategies before they are implemented
  • Work collaboratively with advisor on approved action items that reinforce plan success
  • Inform advisor of significant changes in client’s goals, situation, and/or feelings

Advisor Role and Responsibility

  • Put the client’s best interest first. Act with due care and utmost faith. Protect client privacy
  • Provide objective, knowledgeable assessments and recommendations
  • Fully disclose and fairly manage all material conflicts of interest
  • Fully disclose compensation arrangements
  • Schedule and complete periodic planning updates and performance reviews
  • Promptly respond to client inquiries, concerns, financial planning needs
  • Ensure plan continuity in the event of advisor death, or disability

Cash flow, cash management planning

  • Gain situation awareness of current cash flow (inflows, expenses, savings, taxes)
  • Identify possible cash flow inefficiencies
  • Redirect and prioritize cash flows to achieve planning goals while meeting current obligations
  • Identify and fund an appropriate cash reserve level based on highly individualized situation
  • Implement liquid investment strategy for cash reserves
  • Set up linkage to move money from investment accounts to cash management (checking) accounts
  • Establish healthy debt to income relationship
  • Determine a healthy PITI to income relationship
  • Assess cash flow strengths and vulnerabilities
  • On-going monitoring, advice and planning
Asset, liability, and net worth planning
  • Plan and program for a major purchase or expense eg wedding, home, business
  • Help prepare for marriage or divorce
  • Titling of assets (trust, joint, individual ownership)
  • Identify and earmark proceeds from sale of home, business into the plan
  • Incorporate future inheritance or other windfall into the plan
  • Establish an appropriate Asset Based Lending Facility
  • Establish an appropriate asset/liability & current ratio
  • Help determine optimum mortgage structure for clients unique circumstance
  • Assess assets/liabilities strengths and vulnerabilities
  • On-going monitoring, advice and planning of the above
Retirement planning
  • Determine after-tax capital needs in retirement based on clients unique goals and circumstance
  • Assess realistic retirement trajectory
  • Set a comprehensive investment strategy across all assets earmarked for retirement
  • Stress test retirement outcomes based on various risk headwinds
  • Evaluate social security claiming strategies
  • Evaluate lump sum vs employer deferred payouts
  • Set sustainable withdrawal (spend down) rates for investment assets
  • Roth IRA conversion analysis
  • Coordinate RMDs across IRAs, and qualified plans
  • Assess retirement tax brackets/consequences during first year, mid plan, and end of plan
  • Assess retirement strengths and vulnerabilities
  • Analyze investment income vs defined income in retirement
  • On-going monitoring, advice and planning
Investment planning and implementation
  • Establish appropriate account types to hold client assets
  • Set an appropriate investment strategy tied to a specific goal, time horizon, risk tolerance
  • Implement the strategy effectively in a low cost, tax efficient manner that adheres to client constraints and or preferences
  • Place investment assets in most advantaged accounts (taxable, tax-free, or tax-deferred)
  • Integrate outside investment assets into the financial plan
  • Advise on risk management techniques for concentrated positions
  • Monitor, rebalance, reallocate portfolio as required
  • Design and Implement small employer retirement plan
  • Assess investment strengths and vulnerabilities
  • On-going monitoring, advice and planning
Education planning
  • Determining capital needs to educate children and grandchildren
  • Evaluating various college funding vehicles for achieving education goals
  • Evaluating the role of other funding sources …e.g. scholarships, gifts, loans, student work, GI Bill
  • Set an strategy for investment assets earmarked for education
  • Identify a savings bogey to achieve their goals
  • Automate education funding
  • Assess education strengths and vulnerabilities
  • On-going monitoring, advice and planning
Income tax coordination planning
  • Tax efficient investment strategies
  • Roth IRA Conversions, Roth IRA re-Characterizations
  • Coordinate cost basis reporting with custodians
  • Manage investment taxable capital gains/losses
  • Aggregate Required Minimum Distribution across all tax deferred investments
  • Collaborate with client’s tax advisor
  • Assess tax coordination strengths and vulnerabilities
  • On-going monitoring, advice and planning
Survivor and asset protection planning
  • Help survivors cope financially with death of spouse or close family member
  • Clarify survivor needs, goals, intentions, before death of spouse
  • Determine insurable need, and sufficiency of existing insurance to meet survivor goals
  • Evaluate role social security benefits in the survivor’s plan
  • Evaluate the role of survivor benefits in the survivor’s plan
  • Plan to protect survivors and assets in the event of long term care
  • Plan to protect survivors and assets in the event of disability
  • Plan to protect assets from personal liability claims
  • Assess survivorship/asset protection strengths and vulnerabilities
  • On-going monitoring, advice and planning of the above
Estate coordination planning
  • Help identify estate goals (liquidity, control, asset protection, taxes, charity, legacy, who benefits)
  • Estimate estate expense and estate tax vulnerabilities
  • Discuss estate planning techniques to mitigate risk
  • Collaborate with client’s estate attorney
  • Gifting strategies before death
  • Beneficiary reviews
  • Titling assets correctly to meet estate plan intentions
  • On-going monitoring, advice and planning


Business coordination planning
  • Gain an awareness of current business status
  • Participate in ownership transition and business succession strategy development
  • Evaluate employer retirement plan options
  • Enterprise valuation, coordination, and referral
  • Collaborate with client’s business consultants