Services
My financial planning approach is based on a one-on-one relationship to develop individual plans for each of my clients. Unfortunately, that approach does limit the total number of clients I am able to work with. Once you have had a chance to review my web site, please call me or send an email so we can determine whether my financial planning services are appropriate for your needs.
To meet your specific needs, I can provide fee-only financial planning, individual tax planning and individual tax preparation services.
If you are interested in working with me or want to learn more about my approach, I offer a complimentary, 30-45 minute Get Acquainted meeting to discuss your goals and needs.
After we meet, I develop a fee estimate, based on the time needed to analyze your situation and develop your customized plan.
Investment Planning
Planning begins by identifying your objectives, risk tolerance and time frame. I can create a diversified portfolio, using a low-cost passive approach, which includes low-cost and no-load financial products that reduce investment expenses and maximize long-term performance.
Retirement Planning
Your retirement savings may be spread out over a number of financial vehicles. I can review all your retirement holdings and create a comprehensive plan that includes 401k or 403b allocation recommendations, as well as recommendations for other investment vehicles. I also offer plans for retirement savings withdrawals.
College Planning
529 Plans, Coverdell Education Savings Accounts and UGMA/UTMA accounts represent different ways to save for college. I can help you determine which is best for you and what investments to select within each account.
Tax Planning & Preparation
As a CPA, I can review your previous tax returns and discuss your current financial situation to find ways to minimize your future taxes. I am currently only preparing tax returns and doing tax work for existing financial planning clients. If you are in need of a tax accountant I suggest checking the WICPA website (www.WICPA.org) and using the “Find a CPA” search to locate a CPA who can help you with your taxes.
Employee Benefits Planning
Employee benefit packages are a major source of wealth for corporate employees. I can suggest strategies for exercising stock options, maximizing the tax benefits of flexible spending accounts and achieving an effective balance of retirement account and taxable investments.
Estate Planning
Effective estate planning enables you to retain control of your assets while preparing for their transfer. I can work with you and your attorney to ensure that your wealth is passed on, while minimizing administrative expenses and taxes.
Insurance Planning
Based on a needs assessment, I can work with you and your insurance agent to develop appropriate insurance plans, such as life, disability, personal liability, long-term care and major asset.
Household Budget Planning
Using Quicken® or another program, I can help you organize and manage your household finances, establish a monthly budget and develop a savings strategy.
Comprehensive Financial Planning
This service encompasses a comprehensive review of your entire financial picture – household income and expenses, taxes, debt management, savings, investments, retirement and education funds, employee benefits, insurance coverage, and estate planning and gifting. Based on your goals, I can address each element individually within the context of your entire financial situation.