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Financial Planning

A personalized financial plan is much more than investment advice. Taking all elements of your financial profile into account, a financial plan is an all-purpose tool that allows you to make informed financial decisions, as each decision is made within the context of the big picture.

As our team includes CERTIFIED FINANCIAL PLANNER™ professionals, we have the knowledge and training to offer comprehensive financial planning services. We specialize in financial planning because we believe everyone needs a personalized plan that integrates all elements of an individual’s current and future financial circumstances.

When it comes to financial planning, we look at six key areas which are represented by the acronym “RETIRE” as described below.

Risk Management

Few things can erode your savings quicker, or be more devastating, than the early death of a spouse, loss of income due to disability, high long-term care expenses, and inadequate healthcare coverage. Risks to a family’s financial future can be mitigated by being properly insured at reasonable cost. With access to a wide array of insurance products, we help clients evaluate what type of coverage is appropriate for their circumstances, including life, long-term care, disability and health insurance.

Expense Management*

Do you know where your money is going and how much you’re spending each month? The starting point to develop a sound financial plan is to know where your money goes each month. We can help you evaluate your current and future expenses and determine how much you need to save to support your future spending goals.


It is important to understand the tax implications of your investments and financial transactions to make good decisions. We help you determine tax-efficient investment strategies – including appropriate contributions to, and conversions of, retirement accounts; timing and sequence of account withdrawals; and, rent versus buy – tailored to your financial objectives.


We offer a full range of investment management services. As our client, we work with you to determine your investment objectives, attitudes and risk tolerance to create the best asset allocation for your unique needs and goals.

Retirement Planning*

We all dream of retiring when we want and in the way that we want. In helping you pursue your retirement dreams, we identify the income you need to retire comfortably. We also take into account retirement plan withdrawals, Social Security benefits, the availability taxable and savings accounts, and any other assets or potential sources of income in retirement. Then we develop a plan that includes all these factors to help you reach and enjoy your ideal retirement.

Estate Planning

At their passing, many people want to leave a legacy for their loved ones and avoid imposing legal complications and costs on surviving family members. A well-designed estate plan will be necessary. Without a plan, the courts must administer the transfer of assets according to state probate laws. Probate can be a costly and time consuming process and the court may end up directing assets to unintended recipients. We can help you ensure the best estate plan is in place to implement your wishes quickly and effectively.

Special Needs

Some families are concerned about providing assistance and support for a loved one who has special needs.

* through our affiliation as registered Investment advisors/registered representatives of united planners we offer the following services.