No matter your financial destination, we believe a comprehensive plan offers the greatest potential for getting there. A personalized plan – one that is based on a deep understanding of your life, risks, and needs – will enable us to identify your goals and the actions needed to work towards their achievement.

We look at our clients and their priorities within the framework of the four basic lifecycle phases of financial planning. Income, priorities, risks, goals, and concerns are different within each of these stages of your financial life. With that in mind, your financial plan must be flexible to accommodate the phase you are in and those subsequent to it. What does all that mean? Let’s take a look.

The pre-retirement stage begins in the middle of your life. You are now in your 50s or early 60s, managing competing priorities like paying for college for your children while simultaneously increasing your retirement savings. At this point, you are starting to think in more detail about funding your retirement. As you move through this phase and get closer and closer to retirement, you begin to make more concrete plans to determine your retirement budget needs and manage your healthcare and other costs post-work. Perhaps most importantly, you’ll decide what day you are actually going to retire.

In the fourth stage of your financial lifecycle, focus shifts towards passing what you’ve learned and acquired to the next generation. You think about opportunities for lifetime giving to the causes you are passionate about. This is also the time to ensure that you have a wealth transfer plan in place.