Cash Flow

• Income and expense analysis — personal and business, if applicable
• Debt paydown strategy
• Savings plan and cash flow gap identification
• System for tracking and managing cash flow going forward

Tax Strategy

• Optimize taxable income and identify available deductions
• RMD planning and timing

Investment Strategy

• Assess whether current investments are positioned to hit your financial goals and support your lifestyle
• Align portfolio structure and risk exposure with your timeline
• Coordinates with Tax Strategy and Retirement Planning
• Coordinates with Risk Management on overall portfolio exposure

Retirement Planning

• Model retirement income needs against expenses and life goals
• Social Security timing and claiming strategy
• RMD planning
• Withdrawal strategy — sequencing and timing of drawdowns across account types
• Contribution strategy — maximizing tax-advantaged accounts, coordinated with entity structure for business owners

Estate Planning

• Review and analyze current estate documents
• Estate Plan Documents are delivered through our partnership with Trust & Will
• Create/update Will, Healthcare Directive, Power of Attorney, and Revocable Living Trust (if applicable)

Risk Management

• Investment risk — portfolio positioned appropriately for your risk profile
• Life insurance — adequate coverage to protect your family
• Property & casualty — auto and home coverage reviewed for adequacy

Business Planning

For business owners, your company is usually the largest piece of your retirement plan — and the least understood. We connect the two.

• Business valuation estimate — get a realistic estimate of what the business is likely worth today, so you're planning off real numbers instead of a guess
• Wealth gap analysis — see how business equity, personal assets, and future savings stack up against your retirement number, and where the shortfall is
• Exit proceeds modeling — estimate what you'd likely walk away with after taxes, whether it's a sale, succession, or family transfer
• Coordinated exit timing — the sale or succession decision isn't just a business decision, it's a retirement-timeline decision, and we plan them together