My Services

Comprehensive financial planA comprehensive financial plan will cover many areas of your life, based on your unique situation. Here is a quick look at the services I provide and the kinds of questions they can answer for you:

  1. Goal Setting
    • What are my financial and life goals?
    • What is the best way to fund my goals? How does that work with my cash flow?
    • Once I set goals, how do I stay on track?
  2. Goal Support
    • Can I reduce my work hours or change careers and still meet my goals? How?
    • I want to be an entrepreneur. What is the best way to fund that? How much do I need? How long will it take?
    • How much do I need to save for a special goal, like a wedding or vacation?
  3. Retirement Planning
    • When can I retire?
    • Will I outlive my money?
    • How much money do I need to save in order to retire when I want to?
    • What are the chances that I will meet my retirement goal?
    • What is the best mix of retirement income, Social Security, pension, and investment income for my situation?
    • How much will it cost for me to have adequate Medicare and other health-related coverage during retirement?
  4. Investment Planning and Management
    • How much risk should I be taking with my money? Why?
    • What is the best investment strategy to help me toward achieving my goals?
    • What is the best way to choose my investments?
    • Am I taking on too much risk, given the returns I am receiving?
    • How can I reduce the taxes I'm paying on my investments?
    • How can I invest in a way that is in line with my values and beliefs?
    • Should I be concerned about what I just read regarding the stock market? Interest rates? International unrest? Foreign debt?
    • Should I convert my IRA to a Roth IRA?
  5. Income and Expenses
    • What's the easiest way to figure out how much I'm spending?
    • Do I need to keep a budget? If so, what works for me?
    • How much emergency reserve do I need? Where should I put it?
    • What debt should I pay off first?
    • Should I pay off my home?
  6. Risk Analysis and Management
    • Will my loved ones be OK if I pass away? Will I be OK if my partner passes away?
    • How much life insurance do I need, if any? What is the best type for me?
    • Will I and my loved ones be OK if I get hurt or sick and can't work for an extended period of time?
    • How can I protect myself and my loved ones in case of a long-term care situation?
    • Should I plan to sell my home at a certain age? When?
  7. Managing Taxes
    • Am I paying too much tax? Are there ways to reduce my tax bill?
    • How can I manage the tax I pay and create a long-term strategy?
    • In what order should I take money out of my investments after I retire? What is the best way to do that?
  8. College Strategies
    • How much do I need to save for my kids' college?
    • How should my savings be invested?
    • In what order should I pay off my student loans? How long will it take?
    • How can I prioritize student loan payments against my other goals?
  9. Preserving your Estate
    • How do I start thinking about my estate plan? What are the key considerations?
    • What are the key elements of an estate plan and am I missing any of them?
    • Is my estate plan up to date?
    • Is my estate plan really in line with my wishes?
    • Will my kids be OK if I/my partner pass away early? Will my partner be OK if I pass away?
    • Is the rest of my financial life consistent with the setup of my estate plan? Or is there a chance that my wishes might not be met due to an inconsistency?
  10. Legacy Planning
    • What do I want my legacy to be, apart from money and possessions? What are my values, memories and life lessons? What do I want people to remember about me when I'm gone?
    • What are my final wishes, apart from how my belongings are distributed? How can I make my passing easier on my loved ones?
    • How can I best support a charity or other organization as part of my plan?
  11. Other
    • Does it make sense to remodel my home? How much can I afford to spend?
    • Should I lease or buy a car?
    • How can I best utilize my employer benefits?
    • Should I refinance my mortgage?
    • Should I buy that second home?

Call me at 425-646-8800 x104 to schedule your financial planning consultation today.

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