Individuals & Families
The financial plan you make today affects how you and your family will live tomorrow. Unless you start early, you might find that you are unprepared for the next stage in your life. You will get older, your children will have growing needs, your expenses will rise, and before you know it, you will regret not planning for the future. You have worked hard to get this far, so let’s work together to make sure you avoid feeling unprepared for the next stage of life’s journey.
Every stage of life has its own specific challenges and opportunities – see how we can help.
Your 20s and 30s generally bring a period of firsts – your first job, your first house, and your first child. Though you want to live boldly today, you also need to focus on saving for the future. We can help you establish a budget, pay down debt, maximize employee benefits, and establish a systematic savings and protection plan.
Whether you are considering marriage or are already committed to each other, we assist couples with the integration of their separate financial lives into one cohesive plan. We advise on pre or post-nuptial agreements, ownership decisions for investment and property and estate planning issues such as beneficiary designations. When it is time to add to your family through birth or adoption, we are there to discuss saving for college and ensure the proper legal documents and insurance coverage plans are in place to protect against the unthinkable – sickness, disability or death.
At this point, you are well established in your career and reaching your peak income-earning years. You might have transitioned jobs, started your own business, or experienced a change in family status. Your spouse may be returning to work and any children you may have are growing up and are getting close to entering college. Whatever the situation, it is critical that you regularly update your plan to reflect the changing economic environment.
You are now in your 50s and 60s and a well-deserved retirement lies ahead. You may have paid off all your liabilities; your children may be settled and on the verge of financial independence. We work with our clients and assist them in developing a formal retirement plan. We examine their asset allocation, explore long term care insurance and discuss strategies to minimize the effect of taxes and inflation on your money. You may also want to set aside assets for your dependents or make donations to charity – let us show you how.
Surviving Spouses and Heirs
Whether you are an existing client or a new client, we assist surviving spouses and heirs with the process of settling their loved one’s estate. We are available immediately to provide guidance and ensure that this process is as seamless as possible. This includes working with your estate attorney to value and probate assets, re-title assets, and implement the deceased’s estate plan. Our clients find comfort in knowing their loved ones are in capable hands.
Do you have a solid, long-term financial plan in place? Don’t wait – Unlock the possibilities and discover the personal Blueprint to achieving your dreams today.