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For those looking for an all-inclusive and ongoing relationship to align your finances with your goals over the long term.

• We help get you organized, prioritize your goals and develop your financial plan (2-3 meetings)
• We help implement, support and adjust through the first year (2-3 meetings)
• We review your plan each year thereafter to monitor, adjust and adapt your strategy as life evolves (2 per year + as needed).
• Ongoing access to your financial planner for urgent or important questions as they arise. Customized website to organize, monitor, and analyze your current financial picture and track progress towards goals.

What We’ll Talk About:

• Cash Flow and Spending Management
• Debt Repayment (Student Loans, Credit Cards, Mortgage, etc.)
• Investment Management Strategies
• Protection Analysis
• Goal Prioritization and Funding
• Life Transitions: retirement, starting a family, buying a home, changing jobs, starting a business, etc.
• Retirement Planning
• Tax Reduction Strategies
• Company Benefit Maximization: Insurance, HSAs, FSAs, Stock Options, ESOPs, 401(k)
• Estate Planning

For those who aren’t quite ready for comprehensive planning.

• Choose 2-3 topics above to focus on. We discuss your challenges and goals in those areas and develop recommendations with specific action items to *implement. (2 meetings)
• 30 days of access to advisor via email, phone or video call for follow up questions and concerns.

For those in need of investment advice only.

• Options available for all account balances. Minimum of $10,000 for managed accounts.
• We discuss your investment objective, current financial situation, risk tolerance, tax profile and liquidity needs to develop a recommendation for the most suitable portfolio(s) to help meet your goals. (2 meetings)
• Advisory services can be retained for assets not to be held directly.
• Ongoing monitoring of investment accounts held directly, mandatory one-on-one reviews at least annually.

For those in need of insurance analysis and products only.

• We discuss your current financial situation to determine all areas exposed to financial risk and make a recommendation to best minimize it. (1-2 meetings)
• We are contracted with and shop the most suitable policy for you among 20+ carriers in multiple lines of coverage including life, disability income, long term care and group insurance.
• We review your coverage as needed on an ongoing basis to help ensure that your insurance plan continues to suit your needs over time.

All above services are provided at a 50% discount (excluding commission-based insurance services) to you if you are a student at an accredited 4-year college, graduate or master’s program, or medical/dental residency, now or within the past 6 months. Premium discounts may be available for certain insurance products, advisor will work with you to obtain best pricing and discounts available.