Cash-Flow
Investing is the face of financial planning (it gets the most attention), but the backbone of any financial plan is Cash Flow. If you don’t know your cash flow, it’s virtually impossible to make informed decisions -- it’s like trying to build a puzzle with a blind fold on! While most advisors simply rely on the spending amounts you give them, I actually help my clients track and gather reliable data around their cash flow and then use that data to make informed decisions across every area of their financial life. Pretty cool huh?
Tax Planning and Preparation
My fee not only includes tax-planning, but as a CPA, I also file your 1040 tax return too!* No more having to play middle-man between your CPA and Financial Advisor with lingo that sounds like a foreign language
Tax-planning involves your tax-accumulation strategy (your strategy of how to build your nest egg will determine how much of it you actually get to keep when you start drawing it down in retirement after all!), powerful tax-advantaged charitable giving strategies, annual tax projections and estimated tax payments (no surprises at tax-time here!), tax-loss harvesting, and more!
Charitable Giving
Not only do I help unlock powerful tax-savings strategies through your giving, but I help you define and align your giving through the 3 S’s framework (Serve the Needs, Save the Lost, Strengthen Believers). Less than 3% of Americans give away at least 10% of their income and that breaks my heart – let’s get intentional with our finances and go change people’s lives through our generosity!
Employer Benefits
Many employers offer robust, yet often tucked-away benefits that is a game changer if you harness the full potential of them! Mega-backdoor Roth’s, tax-advantaged accounts, HSA’s, RSU’s, ESPP Programs, Stock Options, Deferred Compensation – we’ll do a deep dive into your employer’s benefit offerings, conduct a Paystub Review, and integrate your company benefits into your complete financial plan.
Investment Management
We believe in leveraging tax-efficient, low-cost, broadly diversified investment strategies. We craft each client’s asset allocation (mixture of types of investments) based on their individual goals, values, risk capacity (ability to take on risk), and risk tolerance (aptitude for volatility). We utilize a mixture of passive and evidence-based strategies, and do not attempt to time markets.
Debt Planning
Whether it’s a mortgage, student loans, auto loans, credit cards, or HELOC’s – we speak it. A couple potential examples:
How does downsizing or upscaling my home impact our Life Plan? Should we keep our prior home as a rental, or sell it? How do we navigate the awkward time gap between selling one and purchasing another? How much should we put down? What source of funds should we use to fund the down payment tax-efficiently? Should we refinance, or pay off our debt altogether? These are all topics we help integrate with your total financial picture and advise on.
Federal student loans have become an absolute nightmare. On-and-off forbearance, challenges of legality in the courts, even loan servicers screwing up loan balances and payment amounts! We’ll help you select an Income-Driven Repayment Plan that’s best for your situation, ensure the payment amount is correct, coordinate your tax-filing strategy to minimize your student loan payments, and monitor your repayment strategy over time!
Estate Planning
About 2/3rds of Americans don’t have an estate plan. While not everybody needs an estate plan, if you have children, dependents, or significant assets to pass on, you need some version of an estate plan! Whether you have more advanced estate planning needs or just a basic Will and Guardianship Designations, we’ve got you covered. Our fee also includes the cost of getting an estate plan in place that’s right for you! Not to mention we help with the most important and often-missed part – “funding your estate” (making sure your financial assets are actively talking to the estate plan you created)
Insurance Planning
Our insurance philosophy, whether it be Life, Disability, or Home and Auto, is to pay the least amount of premiums for the coverage you actually need to protect your income and assets. While we don’t sell any insurance products, we help you identify the biggest risks to your financial well-being and help you quantify how much you actually need. We work with several independent insurance brokers that can help place coverage if we identify a need.
Other
The only constant in life is change. Whether it's a job change, primary home relocation, starting a family, an inheritance, or caring for elderly parents - we're available when you need us to be.
Ready to Get Intentional With Your Finances?
*More complex returns such as Partnerships, S-Corps, Complex Real Estate Holdings, etc. will likely need be to outsourced to a vetted 3rd party CPA firm
