Minimizing Cost of Debts 

"Chains of habit are too light to be felt until they are too heavy to be broken." - Warren Buffet 

There are times though it may be necessary for you to take on debt (buying a house, going to college/med school, etc.). Although this doesn’t make the debt any less stressful. 

Our focus here is to help you minimize how much you pay for all your debts, whether it’s: 

  • Looking into Public Service Loan Forgiveness (PSLF) 
  • Refinancing to lower your interest rates 
  • Implementing a Debt Snowball or Debt Avalanche strategy 

Interested in how we can help you minimize your debts? Schedule a complimentary “Get Connected” meeting with us! 


Preparing for What’s Next 

Our planning is not based around retirement planning because you may not want to retire, you might want to: 

  • Start your own business 
  • Teach others 
  • Have a second career 

Our plans focus on how to achieve your goals most efficiently, while providing you with an understanding of where you are at and the action steps necessary to make progress. 

Our process to help you prepare for what’s next includes: 

  • Creating clarity around your financial situation as a whole 
  • Having the right investment accounts and the proper assets in them 
  • Making sure that you are prepared for the uncertainty that life will throw at you 
  • To not leave the IRS a tip in the process 

Financial planning is an ongoing process that is constantly changing, that is why we meet ongoing to adjust and create new action items. The only thing we know is that the moment we are done with a meeting, the plan we made is wrong because variables have already changed. 

Interested in how we can help you prepare for what’s next? Schedule a complimentary “Get Connected” meeting with us! 


Funding the Right Buckets 

Our portfolios are designed to help our clients achieve their goals and control our taxes. 


Together when we create your investment accounts, we will look at a few key areas: 

1. Minimize Your Cost 

To keep your cost low, all our portfolios are designed using low-cost index funds. Investing in index funds allows you to invest in broad ranges of investments. 

We are eliminating any bias that an investment manager may have (a specific sector, a specific company, etc.) 

2. Create Tax-Efficiency  

When we create portfolios, we are looking for funds and assets that we are going to hold for the long term. 

Investing with a long-term focus allows us to: 

  • Choose investments with a proven track record with the understanding that there will be times when the fund is down however, we will be prepared for it. 
  • Lower the cost.  Trading in accounts can have tax implications, have ticket changes and other expenses. While necessary sometimes we want to minimize these events to maximize the return of your portfolio. 

3. Have Balance and Flexibility 

Many times, the focus with financial planning is on retirement and retirement accounts. However, this focus is missing out on 35+ years of your life. Many retirement accounts will lock your money up until you are 59 ½ years old, which can mentally make it harder to invest more into them. 



Having buckets that are designed for your short-term, mid-term and long-term goals will give you the flexibility within your assets. 

Interested in seeing if you are funding the right buckets? Schedule a complimentary “Get Connected” meeting with us! 


Protecting You and Loved Ones 

Insurance is a way for you to transfer the risk of a catastrophic event to an insurance company. Our goal is to assist you in maximizing your coverage, while keeping your cost low. 

We conduct insurance reviews on the following types of insurance: 

  • Home & Auto Insurance 
  • Umbrella Insurance 
  • Professional Liability Insurance 
  • Life Insurance 
  • Disability Insurance 
  • Health Insurance 

Interested in seeing if have the right protection for you and your loved ones? Schedule a complimentary “Get Connected” meeting with us! 


Minimizing Tax Liability 

You should not pay more taxes than you are legally required to. Everything that we do in the planning process comes back to taxes in one form or another: 

  • 401(k)/403(b) lower your current taxable income but can create a tax bomb later. 
  • Roth IRAs are taxed prior to the contribution but become tax free later on. 
  • Tax Gain & Tax Loss Harvesting in your brokerage accounts. 
  • Roth Conversions 
  • Etc. 

We have a Tax Planning Meeting with clients in the fall to make sure we are taking advantage of all the strategies in the year. We have tax professionals and resources for clients (if you aren’t already working with one) as well as staying on top of all the latest tax updates. This way we can keep you informed about how they would affect you. 

Interested in seeing if have the right protection for you and your loved ones? Schedule a complimentary “Get Connected” meeting with us! 

Asset Transition 

Having a loved one pass away is a traumatic and hard time, it should not be difficult because of estate issues though. As with every other aspect of the planning process your estate plan is something that needs to be monitored and updated ongoing. We will work with you and review the follow: 

  • Beneficiaries on accounts 
  • Wills 
  • Trust 
  • Power of Attorney 

Interested in having your asset transition plan reviewed? Schedule a complimentary “Get Connected” meeting with us!