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

• Retirement preparation
  Our retirement analysis will tell you whether you are saving enough or saving too little and whether your current retirement goals are attainable or should be modified. Our analysis can also tell you how much you will need to accumulate to retire 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. We can also assist you in determining whether you should opt to take your Social Security benefits at age 62 or wait until your full retirement age.
  
  
• Spending patterns/budget analysis
  Our cash flow analysis will show you how your money is being spent and suggest areas in which you may be able to cut back in order to save more. We can also provide you with a net worth statement. If appropriate, we can calculate your remaining mortgage or other loan payments and help you determine if you would benefit from refinancing.
  
  
• College savings and financial aid
  Our analysis will estimate how much you should save for college expenses depending on which college you ask us to target. We can also recommend the best type of account to hold your college savings.
  

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

Our analyses are prepared to the level of detail you request or need. Financial planning fees are determined on a project basis and can range from a flat fee of $150 to $1,000.