PLANNING FOR MY FUTURE


Planning for tomorrow starts today.

Planning your financial future starts by building a solid foundation. Whether you're just getting started or seeking a fresh perspective, our services are tailored to you. We can help you make smarter financial decisions by understanding their impact to your future. Learn more about planning for your financial future by scheduling to meet with an Adviser today.






Cash Flow & Budgeting

Awareness is the key to gaining more control over your personal finances. If you're not already tracking your spending don't worry, we have simple technology that can do most of the work for you. With the 1080 eMoney Portal it's easy to track all of your saving and spending data.

  • Track all of your account activity
  • Create custom budgets and savings goals
  • Monitor income and expenses
  • Link to your checking and savings accounts, credit cards and loans


Financial Forecasting & Stress Tests

Understand the long term impact of the financial decisions you are considering today and in the future. Our innovative tools help you visualize financial goals and can project the likelihood of achieving them. With the 1080 eMoney Portal we can connect information from all of your financial accounts to perform stress test simulations and generate reports with real data.

  • Personal balance sheet and net worth statements
  • Cash flow projections
  • Monte Carlo simulation
  • Retirement planning analysis
  • Detailed flow charts
  • Tax and inflation assumptions


Investment Planning

Asset allocation should be the primary focus to developing a long term investment strategy. With the 1080 eMoney Portal we can link all of your investment accounts and keep track of tangible assets like real estate. Specific goals should have a specific investment strategy and be flexible enough to accommodate your wishes. With your entire financial picture visible, we have more information to help you make smarter investment decisions.

  • Stocks & Bonds
  • Mutual Funds & ETF's (Exchange Traded Funds)
  • Alternative Investments, REIT's
  • Trust accounts
  • Retirement accounts
  • Impact Investing (sustainability, corporate governance)


Retirement Planning

Whether you're just getting started or already saving, we can help you develop a plan of action to achieve a successful retirement. Your investment plan should account for the tax treatment of certain retirement accounts and include retirement benefits from your employer and the government. We can help you implement smart retirement strategies through objective advice considering your entire financial life. It's easy to get started and never too late to begin.

  • 401(k), 403(b), 457, and other retirement plans
  • Rollovers, IRA's and other retirement accounts
  • Pensions and Annuities
  • Social Security and Medicare Benefits
  • Elder Care Planning and Long Term Care


Risk Management

Risk management and insurance planning are key components to any sound financial plan. We'll help you evaluate different kinds of insurance strategies so you can protect yourself from the costs of accidents, disability, and death. There is no one-size-fits-all policy, we can explain your options, conflicts of interest and compare policies to help you make insurance decisions that make sense for you.

  • Coverage through Employee Benefit programs
  • Term Life Insurance
  • Whole Life & Universal Life Insurance
  • Long Term Care Insurance
  • Disability Insurance


Tax Planning

Nobody wants to pay more than their fair share in taxes. Proactive tax planning begins with understanding your current tax situation and working as a team with your trusted tax advisor. Through collaboration we can account for all aspects of your financial and tax situation to implement smarter tax efficient solutions. There are plenty of opportunities to reduce your tax liability now and in the future, but none of it will happen without planning today.

  • Capital Gains and Dividends
  • Estate Tax
  • Income Tax Planning
  • Charitable Giving
  • Business Planning

Estate Planning

Your legacy is important. When you pass away the money from your estate can only go three places: your beneficiaries, charities and the government. You need a trust to protect your assets and a well thought out estate plan to be your voice when you can't speak. We encourage open collaboration with your estate planning attorney and accountant to design a holistic estate plan that addresses all of your wishes.

  • Trusts and wills
  • Power of attorney documents
  • Health care directives
  • Irrevocable trusts
  • Corporate trustee services
We emphasize the use of proper estate planning techniques to address the management of your health, financial accounts, gifting and taxes when you are no longer able to do so yourself. A well thought out estate plan ensures the right people have access to resources while protecting others from potentially causing harm.







Philanthropic Planning

The foundation of our future relies upon the communities and great organizations that help us get there together. We believe efforts are well spent in service to others and can help you ensure that your charitable gifts have the biggest impact. There are many tax advantages for both grantors and recipients of qualified donations which is why it's important to coordinate charitable giving and family gifts into your financial plan.