Financial Planning Focus Areas Include:

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• Client Goals, Objectives and Priorities 

• Budgeting Assistance 

• Business Planning 

• Charitable Giving Planning 

• Debt Management (credit card debt reduction, student loans)
• Divorce Settlement Analysis

• Education Planning (college savings) 

• Emergency Reserves 

• Employer Benefit Planning (stock options, deferred compensation, etc.) 

• Estate & Gift Tax Planning (incapacity planning) 

• Income Tax Strategies, Planning and Projections (tax loss harvesting) 

• Insurance Needs Analysis & Planning (Risk Management - Long-Term Care, Life, Health, Disability, Property, Liability, Umbrella, etc.) 

• Investment Planning including Risk Assessment and Asset Allocation 

• Medical and Health Care Planning 

• Medicare 

• Readiness to Retire 

• Retirement Planning 

• Social Security Planning (Social Security optimization) 

• Wealth Transfer Planning