Financial Planning

Planning Your Financial Future 

"No one plans to fail, they only fail to plan." Never has a quote been so true. Today, financial planning has become a way of life. The application of the concept reaches all areas of life planning, retirement, college and special situation funding, estate planning and investing, which all involve proper financial planning to maximize your investments. Our objective is to help you define your personal goals and objectives, analyze your current situation and develop a plan to help you attain these goals.

Our firm takes a team approach in helping you achieve your financial goals. Since we do not sell insurance or investment products, we work on your behalf with your advisers or we recommend advisers with whom we interact to provide the financial data and advice in putting together a plan that helps you attain these goals. We will review your plan periodically and revise or update it as necessary. Your life does not remain stagnant, neither will your plan.

Financial planning can take place early or late in life, with little or many assets. The secret is to understand your own goals. Once they are determined, your goals can be realized through proper planning.


The Process includes: 

• formulating a balance sheet, your assets and liabilities

• formulating an income statement, your income and expenses

• formulating a cash flow statement, where your money goes

• determining disposable income, amounts available to invest after living expenses

• determining other exposure that may be present

• preparing a plan that will achieve your goals