Your plan cannot start until we learn about your goals and values. Financial planning is not just about numbers. Your goals, aligned with your values, will be the driving force behind your journey, guiding us how we plan for and monitor your financial prosperity.

What comes in and what comes out. Without diving deep to understand all the moving parts of your cash flow, the rest of the CFO process cannot continue. Analyze, streamline and monitor the flow of cash on a continuous basis, including planning for big purchases. Every dollar needs to be assigned a job, otherwise, it just gets spent without intention.

Managing and protecting yourself and your family against risk is an important part of financial planning. Reviewing emergency fund and insurance coverage to ensure you are covered. Risk factors that might derail your financial plan are also monitored and discussed on a regular basis to proactively adjust course.

Paying taxes is a civic duty, but we shouldn't leave a tip. Tax planning covers monitoring of your current tax situation, while also looking into tax-efficient income distributions during retirement.

Examples include reviewing your employer's benefits during open enrollment, usage of retirement and investment accounts, tax-loss harvesting and monitoring your financial plan over time to proactively anticipate your tax impact.

Putting money into a regular savings account will not be enough to create the wealth you need for your longer-term goals. We guide and help you with your investments, based on your goals, risk tolerance and time horizon.

We believe in long-term passive investing utilizing ETFs and Index Funds to fully leverage the power of compounding. Passive investing encourages a potentially more tax-efficient and cost-effective way to save for your future as part of a well-integrated financial plan.

One of the main reasons to accumulate assets is for retirement. Efficient distribution of those assets is critical to minimize the chance of running out of money. Retirement Income Planning is the strategy and projections of what your income and income needs might be in the future.

While you might have a while until you get there (or not, if your goal is early retirement), frequent monitoring is crucial to ensure progress is on track or updates are needed to accommodate changes in your personal life, legislative and tax rules and economic environment.

Review your legacy plan for your family. Partner with your estate professionals as needed and align your estate plan with your financial goals and values. Continuous support to review and make updates as life happens to ensure estate plans are current. Discuss and plan for next generation wealth transfer in a mindful and tax-efficient way, based on your goals and values.