Financial Planning

Financial planning puts together a plan around how you will manage your finances and prepare for all the potential costs and issues that may arise. The process involves evaluating your current financial situation, identifying your goals, and then developing and implementing relevant recommendations.

The only rational process in creating a lifetime investment plan starts with goals, then a plan, and only then a portfolio of shares of great companies. The objective of your portfolio will simply be to execute the plan in the time allotted.

All successful long-term investment strategies are goal-focused and planning-driven. A financial plan answers three key questions.

1. Who is this money for?
2. What is this money for?
3. When, and at what rate, will this money need to be withdrawn?

We take the time to understand what you want out of life – for yourself and your family. We employ a comprehensive approach combined with the latest technology designed to optimize your results and help achieve your financial goals.

Retirement Planning

Retirement Planning

How much income is enough for retirement? That depends on your personal situation, but overall, the earlier you start to plan, the more time you have to build up your nest egg to protect yourself from retirement costs and any unanticipated expenses after you retire. It is never too early to begin thinking about your retirement goals and what you need to do to reach them. Retirement planning requires assessing both short-term and long-term needs and determining what steps you need to take to help ensure your investments can provide for both.

Estate Planning

Estate Planning

Estate planning enables you to manage your affairs during your lifetime and control the distribution of your wealth after death. An effective estate strategy can spell out your healthcare wishes and ensure that they're carried out – even if you are unable to communicate. It can even designate someone to manage your financial affairs should you be unable to do so.

Your Personal Financial Website

You will get your own personal financial management (PFM) site that offers a real- time, 24/7 view of your complete financial picture. It makes your life easier by providing unique services for staying organized, updated, and prepared.

Home Screen: Here you'll see a holistic picture of your financial health at a glance. The tiles on this page offer a snapshot into each section of the site, which you can drill down into for more information.

Organizer: Consolidate all your important financial information in one place. Start by connecting your financial institutions in the "Accounts" section of the Organizer to get an updated view of your accounts and investments in real-time, even your 401(k) at work or accounts held away from us. Next, add in your goals and financial priorities and personalize your site by adding photos and important milestones.

Goals: Easily add goals, track your progress toward funding those goals, and visualize how your goals impact your long-term financial outlook.

Track Spending: Access the Spending tab to see where your money is going each month, establish a budget to manage your expenses, and adjust based on actual spending, saving, and investment data. Investments: Monitor your investment performance and asset allocation. Make sure to first connect all your investment accounts so you can get an accurate picture of your finances.

Vault: Getting together the basic details and documents that you and your family need – like finances, insurance policies, wills, estate plans, and end-of-life wishes— is easier than you think. And we will help at each step.

Upload your important documents for safe keeping and easy access when you need them. Protected by the highest level of encryption in the industry, private folders provide a secure location to store sensitive files, while shared folders enable you and your advisor to easily share and access important documents for review.

What does comprehensive planning do for your family?

Women and Investing

Women face unique challenges when it comes to achieving financial freedom and solvency. This whitepaper explores the investing pitfalls women—and all investors—should avoid when taking control of their financial futures.