FEE-BASED FINANCIAL PLANNING

Accumulation Phase

Early career phase,  growing in career and beginning to grow assets.

(401K, insurance needs, etc.)

Consolidation Phase

Mid to late career phase, income exceeding expenses reaching peak productivity combined with Home Equity, Retirement assets and personal investment Portfolio.  Short Tem College needs for children. Even time to "Play Catch Up."

Spending Phase

After retirement earned income possibly ceases and funding by withdrawals of investment portfolios and retirement Plans.  Other income by possibly pension and Social Security.

Gifting Phase

High net worth and inability to outspend retirement assets.

Estate planning is most important.  

Planning & Protection

Utilization of technology of Right Capital and our Personal "21 Point Review" Process.

We believe in full comprehensive holistic planning that is designed specifically around you.  We understand that your life changes overtime from Marriage, birth of a child, retirement, and all things life throws at you.  All those life changes and events needs a rules based approach and time tested principles.  Continued stress testing of your financial plan and Monte Carlo tools.

Social Security Optimization

Needing to decide when to take Social Security?  Many people are confused about when the "right time" is to start collecting their social security benefits.

Estate Planning

Is designed to give you the peace of mind to know your legacy will be continued on for generations.  Estate planning is for everyone.  Addressing your financial concerns and taking into account legal, tax considerations, and how you want your legacy to be remembered. 

Education Planning

Saving for college is on minds of every family. Helping find strategies to help you save for children college is never too early.