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A Successful Financial Plan encompasses:

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• A written Financial Plan—Planning starts with current household income, savings, and contributions to a retirement plan(s), essential and discretionary expenses, and tax profile. It includes growth projections of future income, financial accounts (taxable, tax-deferred, and tax-free), and net worth for different life stages. It offers Value—and Goal-based planning with cash flow analysis and funding for an emergency savings account.

• Debt Management Planning: Accelerate debt payoff, mortgage payoff, and school loans.

• Education Planning- College Savings and Funding Planning: Analysis of preferred schools, grants, scholarships, etc.

• Equity Compensation- Financial planning for RSUs, ISOs, NSOs, ESPPs, etc. Tax Analysis and Goal Planning.

• Retirement Planning- Assessing your contribution savings, employer match, asset allocation, and decisions on choosing Traditional or Roth retirement savings options.

• Strategic Investing- Managing a balanced portfolio to help you navigate an ever-changing economy and stock market, dynamic rebalancing, and managing risk with market volatility.

• Risk Management- Insurance review (Employer benefits, health, life, home, auto, disability, umbrella, etc) 

• Protection of Your Wealth—Legacy planning for a seamless transfer of wealth to your loved ones. Have health care directives in order, and with life transitions, have a cost-effective approach to updating your will or trust.

• Forward-Looking Tax Planning- Implementing tax minimization strategies and review of last two years' tax returns.

• ​Tax Loss and Gain Harvesting for taxable accounts.

• Addressing other financial needs or goals.

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