In addition to investment counseling and management, we offer financial planning services, including assistance with:

•  Pre-retirement planning
  Our retirement analysis will tell you whether your current retirement goals are attainable or may need to be modified. Our analysis can also tell you how much you will need to accumulate to retire when, and as you would like, how much you should be saving now, and where you should be saving it, e.g. in an IRA, 401(k) and/or taxable account.
  
  
• Post-retirement distribution planning
  When you are ready to retire, and during your retirement years, we can help you monitor the amount you withdraw from your invested assets so that your money lasts as long as you need it to. Using our proprietary Withdrawal Analysis program, we evaluate how your current withdrawal pattern may impact the longevity of your invested assets given various scenarios, and suggest alternative strategies.
  
  
• Spending and budget analysis
  We evaluate your income and expenditures and provide you with a cash flow analysis that includes our suggestions for reducing spending and increasing savings. Although we can't provide specific tax advice, this analysis may also include suggestions for how you might reduce your taxes, which you would discuss with your tax advisor. If appropriate, we can also calculate your mortgage or other outstanding loans, and help you determine if you might benefit from refinancing, or from discharging those debts sooner than scheduled.
  
  
• College cost analysis and planning
  We estimate how much you should save for future college expenses depending on which college you ask us to target, and other variables. We can also recommend the best type of account to hold your college savings, and help you determine the appropriate asset allocation for that account.
  
  
• Insurance needs analysis
  We can help you determine whether you and/or your spouse may need additional life insurance coverage. Our life insurance needs analysis incorporates future sources of income and expenses, and estimates whether you may be underinsured. Since we do not sell insurance, this analysis is intended to be a springboard for further discussion about your life insurance needs with a life insurance professional in your area.

Additional services may be available depending upon your needs. Our financial planning and consulting fees are determined on a per-project basis.We generally charge an hourly fee of between $200 and $300 per hour, or a fixed fee of between $1,000 and $3,000.

Additional services may be available depending upon your needs. Please ask us.