What We Do

Would you have more peace of mind if you knew the most important financial things were taken care of? 

 

As a retainer client of Essential Financial Strategies, you will receive ongoing planning and reviews.

Financial Planning

Education Funding.   Identifying the right mix of alternatives and maximizing their use is a complex and confusing process, but there are ways for families of any income level to effectively save for  college.

Retirement Planning.  Retirement planning is more than simply ensuring that you won’t outlive your money.  It also involves the timing of benefits, including Social Security, and – beyond the money aspects – it’s about how you will make your retirement years personally fulfilling and enjoyable.

Estate Planning.  I’ll help you consider choices you can then implement with your attorney. It may involve naming a guardian for minor children, making provisions for dependents with special needs, addressing medical directives and other end-of-life considerations, and help determine when a trust is appropriate.

Risk Management.  Determining what risks you face, how to protect yourself and understanding and maximizing your employee benefit package are vitally important to your financial security.

Goals and Values.  Your goals and values are the foundation on which your personal financial plan is built.  Everything else is coordinated so that you can achieve your goals while remaining true to your values.

 Investment and Wealth

Portfolio Analysis.  We compile a complete inventory of your investments and analyze each for costs, tax efficiency, performance, risk, and diversification.  We help you to understand what you have and whether what you have is appropriate for you.

Investment Allocation.  We use Functional Asset Allocation to create an overall net worth growth or preservation plan that protects you during market downswings and helps you fully participate in times of prosperity.

Investment Implementation.  No matter which investment custodian you use, we work with you so that the changes we agree on are made correctly and on a timely basis.

 Taxes

Tax Preparation.  By including tax preparation in your retainer we simplify your life while also ensuring that our tax planning strategies are correctly reflected on your return.

Tax Planning.   Tax planning helps to lawfully structure your income and take advantage of the adjustments, deductions, and credits for which you qualify so that you pay only what you owe when you owe it.

 

 

 

 

 

 

 

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