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Financial Planning

"Failing to plan is planning to fail." - Benjamin Franklin

Financial planning is at the core of what we do, and building a financial plan is much like planning for an extended vacation.  As cliche as it may sound, a financial plan is the roadmap that will help you reach your financial destination in the most efficient manner.  However, you will undoubtedly encounter various bumps and/or detours, meaning that your roadmap will need to be updated along the way.  Investment and insurance products should be thought of as different types of vehicles that will help you navigate your roadmap, with the vehicle of choice being largely dependent on the obstacles you encounter on your journey.

A financial plan should be holistic, looking at all aspects of one’s financial life.  Financial planning starts with your income and assets and helps you to make choices about what you want to accomplish with those assets both during and after your life.  A financial plan can answer questions such as:

  • How much should I save for my child’s college education?
  • How much can I spend and how much do I need to save?
  • Do my credit card rewards align with my spending habits?
  • Do I have the right insurance for my needs and are my big risks properly covered?
  • When is the best time to start taking Social Security?
  • Will I outlive my money, or will my money outlive me?
  • What happens to my assets at my death or if I’m disabled and can’t manage them myself?
  • What is the best way for me to support my family and community?

Coming up with solutions to these questions will help reduce the stress and anxiety that accompanies many of these concerns, and that's our goal:  To make your life easier!