The industry norm is to develop a static financial plan and create the expectation that clients should stay on course and follow this plan. Instead, my firm focuses on exploring “what if” scenarios. This can help clients develop proactive methodologies for real time, proactive decision making as opposed to living and operating in a total reactive mode.

Planning is not a document, it is an ongoing discussion around how to handle the changes that life deals clients. My firm customizes the planning process to each client to give them a greater sense of comfort and control.

By taking into account every concern (material and financial) in my client’s life, and treating everything altogether as a business, we can create a “business plan for life” for each client. Too many financial plans are based on sales tactics leading to the purchase of insurance and investment products. A good comprehensive financial plan should be based on cash flow and tax impact, and individuals should view all estate related concerns (assets and financials – everything you own) as a business entity. An effective, comprehensive plan can be overwhelming, but with the right help and assistance, successful planning can be achieved one step at a time. 

Proper integration of tax strategies, estate planning concepts, investment management, and cash flow concerns (I refer to as the four quadrants) is our goal for clients. Each quadrant is a major component of comprehensive planning, and each requires competent analysis followed by the building of individual strategies. Poor judgment or bad decisions in any of these areas can add up to lost dollars and lost earning power. Income can be maintained or enhanced, and taxes avoided, minimized, or deferred through proper product coordination, estate control, sound asset management and advanced tax planning.