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OUR PROCESS

The Five Steps to Realizing Financial Freedom

<strong>CASH FLOW, DEBT MANAGEMENT, &#38; TAX STRATEGIES<br/></strong>

CASH FLOW, DEBT MANAGEMENT, & TAX STRATEGIES

Working together, we can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management, such as: refinancing, debt consolidation, or withholdings adjustments.

Cash flow is the cornerstone of your wealth management plan. Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you.

In addition to your cash flow, your debt level and credit history are also important barometers of financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended.

<strong>BUILDING YOUR RETIREMENT PLAN</strong>

BUILDING YOUR RETIREMENT PLAN

It's important to first establish a clear vision of what retirement means to you. Will you continue to work part time? Will you be traveling the world? Everyone's vision of the "dream" retirement is different.

People entering retirement are facing concerns that retirees simply didn't face 20 and 30 years ago. As healthcare improves and life expectancies rise, you are likely to live longer during retirement than past generations.

Realizing your vision of retirement requires building a plan that takes into account the level of assets needed to fund it. We will address income needs, tax implications, and risks that may stand in the way.

<strong>INVESTMENT MANAGEMENT</strong>

INVESTMENT MANAGEMENT

In today's investment environment, it is easy to be overwhelmed by the amount of information available. It seems that the media and so-called "experts" are always telling you what to do with your investments, even though they do not have any knowledge of your specific financial situation.

Together, we can create an investment strategy that is designed just for you with your unique goals and needs in mind. As your Fiduciary Financial Advisors, we will build an investment plan that considers your investment goals, comfort level, expectations, and tax effects on your portfolio. As your goals evolve and your portfolio changes we will monitor and rebalance it on an ongoing basis.

<strong>RISK MANAGEMENT</strong>

RISK MANAGEMENT

Are you prepared for the unexpected? Even the best laid plans can crumble if proper preparation for the risks that exist haven't been made. Should something happen to you or a family member such as disability, death, or a long-term-care need, the careful planning and investing you have so diligently developed can be unraveled in an instant. Life insurance is a way to address the issue however these policies and plans need to be maintained overtime as your situation changes.

<strong>LEGACY AND ESTATE PLANNING</strong>

LEGACY AND ESTATE PLANNING

What kind of legacy would you like to leave? Estate planning is so much more than money.  Simply stated, it ensures that what you want to happen will happen at the time of your passing. However, because the subject of legacy is a complex an emotional topic, many families overlook planning until it's too late. If this isn't addressed before a loved one passes away, it puts family members in a difficult position of making decisions when they're emotionally fragile. Together we can develop a plan that evaluates the estate taxes that may be incurred, maximizing funds that go towards your family, and takes the guess work out of executing what you want.

EXTENDING YOUR PLAN: BUSINESS, EDUCATION, AND SPECIAL SITUATIONS

What we've addressed so far is only the beginning for some. As every individual and their plan is different, we make adjustments and consider all avenues of ensuring financial freedom. We also help businesses evaluate and implement strategies that improve cash flow by increasing your bottom line and reducing overhead through taxes. From planning for a wedding, taking a spur-of-the-moment dream vacation, buying a second home, or facing unexpected expenses, we will address the nuances of your financial life with open arms as you grow with us. Every child dreams about what they will be when they grow up and planning for the education to realize that dream is our goal.


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