- Budgeting-making ends meet on entry level salaries
- Paying off student loans; overall debt management
- Establishing/enhancing credit
- Saving for major purchases or events

- Budgeting and debt management
- Buying a home
- Savings strategies, including college planning
- Making initial insurance decisions-life, disability

- Funding decisions for college
- Investment portfolio alignment with changing priorities
- Re-evaluating insurance needs
- Planning for retirement
- Arranging for long-term care-aging parents
- Evaluating long-term care insurance-self/spouse
- Initiating estate planning

- Timing of Social Security benefits
- Investment portfolio alignment with changing priorities
- Optimizing tax advantaged investments-withdrawal strategies
- Understanding and selecting appropriate Medigap options
- Considering housing alternatives
- Assessing reverse mortgage feasibility
- Revising/finalizing estate planning decisions

- Divorce
- Job loss
- Family death/estate settlement

We will meet with you to understand:

- Your financial goals and concerns
- Unique circumstances and situations
- Current and expected resources
- Objectives in seeking assistance

We will document in writing:

- The specific assistance we will provide
- Terms and conditions of the work
- Timing, fees, and deliverables

Our assistance could include the development of a comprehensive financial plan; a snapshot assessment of progress against your current plan; or focused attention and advice on one or more areas that may be of particular interest to you.