Financial Legacy Management   
Financial Planning, Portfolio Management,
Retirement Plan Management

"
The only financial resource you'll ever need"
                 Financial Planning Services  

To help get a clear picture of your finances, we can use the analysis that your financial life
is like a pyramid. When building a pyramid, we first have to build a strong foundation or
base. This involves making sure that you are protected from potentially disastrous
financial events. No matter how well designed your investment portfolio; the financial
pyramid will fall without adequate insurance in place to protect against lawsuits, death,
disability, and health problems. We also help to make sure that you have adequate cash
reserves in place so that you will not need to access your investment portfolio for short
term cash needs resulting from: insurance deductibles, career changes, house or
automobile repairs, etc. Finally, we make sure that you are taking advantage of all
available tax breaks.

To build the base of the pyramid, we design a financial plan built to help you reach your
goals. The basic financial plan will answer questions such as:

  • When can I afford to retire?
  • How much do I need to be saving for retirement?
  • How much do I need to be saving for my children’s college?
  • What is the best way to save my money? IRA, 401k, Deferred Compensation, 529
    plan, Roth IRA, Education IRA, UTMA account, annuity, etc.?
  • How can I pay less in taxes?
  • Do I need a will, trust, or marital trust?
  • How much life insurance do I really need?
  • What kind of life insurance is best for me? Term, Level Term, Universal Life,     
    Variable Life, Whole Life?
  • Am I maximizing the use of my employee benefits?
  • Do I have enough auto, house, disability, health and liability insurance?
  • Where should I invest my money?

Financial planners serve as the quarterback of your financial team. Since financial
planners have a general knowledge of all areas of your financial situation, we can help
you decide what types of specialists that you might need and help work with those
specialists to provide only the services that are tailored to your unique situation. Also,
although your financial plan is designed at a specific point in time, we will be there to help
guide you through any life changes that may alter your financial needs. As you progress
through life, we can help make sure that you are making smart financial decisions. Life
changes such as: a new career, a new baby, buying a bigger house, paying for college,
starting a business, inheritances, retirement, passing assets at death, and creating a
legacy require updates to your financial plan.

In addition, most advisors get paid for selling a product, not for advice. That’s where we
are different. We get paid by you. We are a fee-only financial planning firm. This means
that we do not receive any compensation from any sources other than the client. This
eliminates hidden incentives, kickbacks, commissions, or any other compensation that
may compromise our services. This enables us to provide you with objective advice, with
no conflicts of interest.

The base plan will include:

  • Summary of Personal Background Information
  • Income and Expense Summary
  • Cash Flow Analysis
  • Net Worth Statement
  • Summary of Goals and Objectives
  • Tax Summary
  • Insurance Needs Analysis
  • Retirement Plan Projection
  • Education Needs Analysis
  • Employee Benefits Summary
  • Summary of Recommendations

Special situations that may call for more extensive analysis and spreadsheet design will be
charged an additional fee depending on the complexity of the situation. This will be
negotiated in advance. The special situations would include, but are not limited to:
detailed estate planning or trust analysis, stock option analysis, deferred compensation
payout options, and complex tax analysis.
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