Personal Financial Planning

We help you...

• Personal Budgets and Debt Counseling- Do you have too much month left at the end of your money?  Are the bill collectors always after you?  We can help.  We begin with an in-depth review of your current strategy (or lack thereof) and your goals.  Together, we develop an intensive new strategy complete with action steps that we?ll help you implement.  If you need additional support we can assist in that area as well.  if you haven?t done it by yourself yet, chances are you wont.  Its often helpful to have someone to hold you accountable

• Credit Repair- maybe your credit score isn's where it should be.  We know how to repair bad credit.

• Save enough for a comfortable retirement by identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save for retirement given your financial situation and risk tolerance.

• Pay for your child's college education by accurately estimating the amount of money you'll need, analyzing your assets, reviewing estimated shortfalls and considering general alternatives and strategies to help address these potential shortfalls, and developing an optimal savings plan given your financial situation and risk tolerance.

• Protect your family in case of you become disabled by ensuring you have enough money in your emergency fund and analyzing your life, disability, health, home, and auto insurance coverage. We also review your will and various powers of attorney designed to take care of your affairs in the event you are incapacitated and can't manage them yourself.

• Achieve your investment goals by identifying the steps needed to maximize your investment returns as well as the steps needed to help minimize your risk while building increased predictability of your investment returns.

• Leave a legacy for your heirs by maximizing the value of your estate by saving tax dollars, professional fees, and court costs. As well as minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate. We also help you stay in control of your affairs by providing a road map for passing your estate on to your heirs.