Bridging the Financial Gap -- Today,

Tomorrow and Beyond

Financial Planning is the long-term process of efficiently managing your finances so you can achieve your goals and dreams. This process also includes managing and overcoming financial hurdles that arise in the various stages of life. Financial Planning is a constantly evolving process, not a specific product. There are many sub-topics within financial planning such as:

  • Retirement Planning
  • Estate Planning
  • Divorce Planning
  • Income/Expense Analysis (Cash Flow)
  • College Planning
  • Risk Management
  • Asset Protection
  • Asset Allocation Analysis

Your current financial position is a key factor in your Financial Plan. It is essential to understand where you are today before you can begin your financial journey to where you would like to be. Your net-worth statement and income statement are essential financial planning tools. They help you:

  • Check progress towards financial goals
  • Plan for changes in assets or liabilities
  • Estimate how well dependent survivors would be able to live on their current inheritance
  • Estimate retirement income potential
  • Chart financial progress over the years

A net-worth assessment should be performed at least annually, and whenever there is a major change in assets and/or liabilities.