The Plan | Strategic Financial Services

Retirement, house renovations, college tuition—no goal is beyond our planning. Your personalized plan is tailored during our new client onboarding to understand and achieve your vision of a great life. It includes strategies, tactics, action items, and accountability checkpoints, designed to adapt dynamically as your life and goals evolve.

Need a plan?

Clarity.

The clarity of knowing where you are headed and how you are going to get there.

Confidence.

The confidence of knowing if you are on-track or off-track.

Convenience.

The convenience of having the tools and the team empowering you to make informed decisions.

The Plan Design.

Your Plan will never be “done.” Instead, we measure success with an easy on-track/off-track system. When any area is off-track, we work to get it back on. It’s the perfect balance of simplicity and thoroughness.

Your Great Life Vision

It all starts here.

If you already have a clear vision for your life plan, great! We’ll document it and ensure your plan is fully aligned and prioritized to help you achieve your great life vision. If not, we’ll help you dig deep to prioritize your needs, wants and wishes for that big life you deserve.

What does your great life look like?
How do you hold yourself accountable?
How do you know if you are on-track or off-track?

35%

Percent of Americans that have a written financial plan.

_{Source: Charles Schwab Modern Wealth Survey 2023}

Let's Change That

Household Finances

Because managing your cash matters.

Financial Independence starts with smart household finance. Building an intentional plan for your cash that aligns your priorities with managing your cash flow.

Do you have a plan to optimize the use of your cash?
Is your savings fund fully funded?
Is your cash balanced between spending, saving, and giving?
Do you wonder whether or not you can afford something?

Investment Management

Backed by science, not speculation.

We believe in investment management that is driven by science not speculation. Our process is built on a foundation of evidence aimed at long-term wealth creation. We select a custom portfolio model based on your objectives and tolerance to risk.

What return do you need to achieve your financial goals?
How much risk are you willing to take? Able to take?
Is your portfolio strategy cohesive across your entire financial picture?

Retirement Planning

You’ve worked hard for this. Let us take it from here.

Preparing for your Retirement can be overwhelming and there are many variables to consider. But we do this every day and are here to walk you through every step so you can go confidently into the retirement you’ve worked your whole life for.

Are you on-track for Retirement?
Have you considered the cost of HealthCare in Retirement?
When should you start taking Social Security?
Who will manage your company retirement plan when you retire?

Estate Planning & Trust Management

Planning Now for Peace of Mind Later.

A complete and clear Estate Plan is the only way to ensure your wishes and your assets are carried out if something happens to you. We’ll look at what you have or tell you what you’re missing and make sure it stays up to date and aligned with your wishes.

Do you have a comprehensive Estate Plan? (Will, Power of Attorney, Health Care Proxy, etc.)
Would your assets be able to transfer efficiently to your beneficiaries?
When was the last time you updated your beneficiaries?

Insurance Planning

Protect your family. Protect your assets.

We call this planning for the unexpected. We do not sell Insurance products, but we will assess your coverage needs, research and present options and educate you on what types of coverage we recommend ensuring you’re fully protected.

Are you protected against the unexpected?
When did you last review your coverage?
Would your loved ones be taken care of if something happens?

55%

Percent of Americans that are concerned they cannot achieve financial security in retirement.

^{Source: The National Institute on Retirement Security}

Tax Planning

Helping you keep more of what you make.

As your financial advisor and investment manager, we are intimately familiar with your overall financial state. We guide you on smart tactics to minimize your tax burden and keep more of what you make. We do this in collaboration with your CPA and/or tax professional.

Do you invest in a tax-efficient manner?
What strategies are available to you to minimize taxes paid?
Are you taking advantage of tax-loss harvesting strategies?

Education Planning / Saving for College

Because let’s face it, it is expensive.

Plans to financially support a loved one’s higher educational pursuits can be a big expense and should be planned for as a component of your overall financial plan. There are savings vehicles to take advantage of and ways to maximize funding while minimizing your tax burden.

What educational funding goals do you have?
What is the total projected cost for your kids-college?
What happens to my Education Savings accounts if they aren’t used for Education?
How much can I afford to put away? What if it isn’t enough?

Excellent partnership and support from every team member. They have had a tremendous impact on my personal financial plan.
Samantha, Connecticut

The testimonial provided by a current client who received no compensation for their honest feedback. Results may vary.