Goals Conversation

In order to determine "where you want to be," our financial planner must discover what is most important to you and to your family. By having you paint a mental picture of "where you want to be in the future," our financial planner can help you design a "financial plan" to get you there in an efficient way. It is important that you have clear goals, determine priorities and have a compass to get you back on course when necessary. Having a well defined financial plan that takes in consideration your personal values will ensure completion of your financial goals.

Here is a sample of the most frequently asked client questions that require careful thought in providing appropriate solutions:


  • How much money will I need in retirement to meet my desired lifestyle?
  • What is the most appropriate retirement plan to maximize tax savings?
  • How long will my retirement income last?
  • Can I protect my retirement investments from market losses?
  • Can I guarantee my retirement income streams for "Life?"
  • Will my Social Security benefits be taxed?


  • How much risk should I take with my investments to reach my goals?
  • How can I minimize downside volatility with my investments?
  • What should I do when the financial markets and the economy tanks?
  • Do I have my emergency money invested appropriately?


  • When my child attends college, how much will it cost?
  • In our personal circumstance, what is the best college saving plan?
  • What options are available for financing college or financial aide?
  • What is the appropriate investment risk with my children’s college money?


  • How much money will I need to acquire net after taxes from the future sell of my business in order to retire in my desired lifestyle?
  • How can a key employee or family member purchase my business when they have "no" money?
  • I am a sole proprietor, how can I protect the business value at my death until my heirs can sell the business?
  • Which type of retirement plan is more advantageous?
  • I do not want to go into business with my business partner’s spouse at his/her death, what can I do to prevent this from happening?
  • How can I retain key employees?


  • How can I minimize inheritance and income taxes for my beneficiaries?
  • I have a child who works in the family business, how can I give the business to the participating child and treat my other children equally, especially when the business is my largest asset?
  • How do I protect my beneficiaries in the event of a divorce or creditor issues?
  • This is my second marriage, how can I provide for my spouse and protect my children’s inheritance?
  • How do I provide and protect assets for a special needs child without disrupting their government assistance?

Risk Management:

  • Will my family struggle financially in the event of my death?
  • Can we survive financially if I have a disability or a medical catastrophe?
  • Are are my assets protected?
  • How do I prevent a long-term care event from destroying my spouse’s finances, children’s inheritance and/or my spouse’s health?

Cash flow & Balance Sheet:

  • How much money should I have set aside for emergencies?
  • How can I get out of debt as quickly as possible?
  • How do I set up a workable budget?


  • How can I grow money tax deferred and minimize taxation?
  • How can I minimize my current income taxes?
  • How can I minimize and/or eliminate inheritance taxes?
  • What are the best tax strategies for retirement savings?