Financial Planning Services

Effective wealth management is not simply about investments. Every element of your wealth affects your broader financial position. Our advisors evaluate the entire picture to simplify decisions while keeping your long-term goals in view.

Cash Flow & Forecasting

We conduct detailed assessments of household income and expenditures, categorized across lifestyle, housing, education, and gifting. This reveals spending patterns and helps identify opportunities to optimize cash use and savings rates. You receive tables, charts, and written analysis that show whether your resources are aligned with stated objectives.

Retirement Planning

Relocation, real estate purchases, and business sales can materially change retirement outcomes. We model tax, estate, and insurance implications, then create strategies to optimize income sustainability and risk management. Our plans are reviewed regularly so adjustments can be made as markets and personal circumstances evolve.

Philanthropic Planning

We design giving strategies that are both meaningful and sustainable. By coordinating tax structures, investment vehicles, and estate documentation, we help ensure your philanthropy advances the causes you value most. Our approach seeks measurable impact without compromising long-term family objectives.

Education Planning

We create tailored funding plans for children and grandchildren using education funds, trusts, and coordinated investment policies. Scenario analysis clarifies trade-offs among timing, contributions, and expected returns. The result is a plan that protects opportunity while balancing other priorities in your overall wealth strategy.

Real Estate Solutions

We advise on acquisitions, sales, and leasebacks, coordinating timing with cash flow and tax forecasts. Our team manages outside specialists to facilitate due diligence, financing considerations, and closing tasks. Real estate exposure is integrated with your broader asset allocation to control concentration risk.

Executive Compensation Analysis

We review equity awards, deferred compensation, pensions, and benefits to optimize after-tax outcomes. Exercises, sales, and elections are modeled against tax brackets, AMT risk, and liquidity needs. Aligning compensation with your long-term plan helps maximize value while minimizing avoidable liabilities.