Business Owners
Businesses never plan to fail, only some fail to plan. Leadership, Operation, Finance, and Succession all have to have documented plans in place.
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My Approach
Financial planning isn't one-size-fits-all. I specialize in helping individuals and families navigate the complex financial crossroads of life, focusing heavily on these unique groups and the major moments that define their journeys.
The Clients I Serve
GenX
Tell your money where to go before you get paid, live off (committed expenses) 50%, Spend (experiences, dining) 30%, and Save (Emergency fund then Longer-term goals) 20% of your income.
Teachers & Educators
Teachers and educators should look beyond salary and understand the full value of their benefits. Pension plans, retirement accounts, health benefits, and other employer-provided programs can be extremely valuable over the course of a career. My advice is to understand early what benefits are available, what you must do to maximize them, and how long you need to work to receive their full value. Then build a financial plan around those benefits—both during your working years and in retirement. For educators, some of the most important financial decisions aren’t necessarily about how much you earn, but how well you understand and take advantage of the benefits you’ve earned.
Major Milestones I Specialize In
Early Retirement or Financial Independence
The commitment to financial independence requires hard work and discipline, if done diligently with a plan, the reward can be something special.
End of Life and Legacy Planning
About 65% of American's have a retirement plan of some type, but only 30% have estate or end of life plan. Only one of those outcomes is certain. Most the tools are not complicated, but with guidance and accountability an Estate or End of Life plan is achievable.
Funding Education
Its expensive! The sooner you start the easier it is, work with a CFP to understand the different tools to achieve education funding goal and desired control of the outcome.
Our 7 Steps to Financial Planning
Certified Financial Planners have a proven blueprint for success—but your planner builds it entirely around you.
Summarized from the CFP® Board's Practice Standards. cfp.net
My Process
We do more than advise clients as individuals — we partner with people navigating the road of life, each with unique families, passions, interests, and dreams. Yes, we manage wealth and help plan for a confident retirement. But we also understand that wealth is meant to support the life you’re building along the way. There will be moments when you choose to invest in opportunities, support family, pursue passions, or transition into the next chapter — and we help you plan for those moments, too. We are long-term partners in your financial journey, helping you align today’s decisions with tomorrow’s goals and the legacy you want to leave behind.
Disclosures
This material is provided for informational purposes only and does not constitute investment, tax, or legal advice. It is not a recommendation or solicitation to buy or sell any security, insurance product, or investment strategy. Past performance does not guarantee future results. All investing involves risk, including the possible loss of principal. Tax and legal matters are outside the scope of this engagement; consult your attorney, accountant, and other qualified professionals before making financial decisions. Additional information about this financial professional, including registration status and disciplinary history, is available through FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure website.