We review your plan to analyze the projected data and determine your current financial situation. This allows us to advise you on your best path forward. It also helps us make specific recommendations. For instance, if your current portfolio is concentrated in one specific market sector, a recommendation might be to diversify the portfolio to reduce risk.

Finally, it helps to conduct annual reviews with you to track your progress. Changes in your life today often will change your goals for tomorrow. It's important to continually update your plan to ensure your goals and concerns are being addressed.

Although your current needs may not seem complex and you have a long time horizon, the sooner you begin planning, the more that time works in your favor. The later you start financial planning, your time horizon works against you.

One of the benefits of financial planning is to help identify a financial goal, like charitable giving, and prioritize it so that it can be accomplished along with your other goals. Beneficiaries, legacy, trusts, and other giving strategies may be appropriate.

Yes, you choose whether you want to focus on income or growth with your investment dollars, or a combination of both. A Financial Advisor can show you various ways to assist with this goal.

•  Assets: Financial statements from investment accounts, bank account detail information
• Liabilities: Outstanding debt obligations, mortgage, HELOC, student loan, personal loan, car loans
• Monthly payments: Broken down by principal and interest
• Pre-retirement income: Salaries, rental income, etc.
• Retirement income: Social Security payments, pension payments, etc.
• Expenses: What are your monthly expenses? Will these expenses increase during retirement (travel, moving, etc.)?

If it matters to you, it's the right question to ask. Here are some thought starters on important questions your Financial Advisor can answer for you:

• Is my investment portfolio properly allocated? It's important to strike a balance across different investment types and liquid assets.
• How can I expect my investment portfolio to affect my taxes? Capital gains and losses can impact taxes so it's important to know what to expect.
• Will my investment strategy cover my goals through different life stages? Many life events come into play when creating a plan, such as the birth of a grandchild or a milestone birthday. We can adjust your plan as life changes.
• What's your investment philosophy? Our Financial Advisors will align their strategy to your goals.
• What is the best way to communicate with you? On the phone, in person, or video chat, agree to what works best.
• What services are included? Find out how you'll work together through planning, advising, monitoring, and adjusting with life changes.