Retirement & Financial Planning

Financial Planning

Take Control of Your Financial Future

The pace and complexity of managing modern finances leaves many people unprepared to achieve a successful financial future. If you are feeling less than confident about your future, having a well-prepared financial plan will help put you in control.

Why People Say Yes to Financial Planning

Financial planning pulls all your finances together, organizing them and making management easier and more effective. The more you understand and better manage your wealth, the more likely you are to achieve your goals and dreams.

Creating a Financial Plan Will Help You:

• See your finances from a holistic point of view, so you understand how your individual financial decisions impact your overall financial success
• Create integrated strategies that take into account the interconnectedness of your financial activities
• Identify your long-term financial goals and the steps needed to achieve those goals
• Track your progress and make adjustments as you experience new life events or develop different perspective

What Your Financial Plan Should Include

The key to creating a successful financial plan is ensuring that it covers your current and future financial needs. The best way to determine your particular needs is by spending time with your financial advisor considering your options, defining your goals and evaluating your resources.

The following are some common areas to consider when planning your financial future:

• Monthly Budget
• Savings
• Risk Management
• Education Funding
• Retirement Planning
• Estate Planning

To manage your income and expenses effectively throughout your lifetime, consider partnering with your financial advisor, who has the experience to help you create a plan that strategically addresses your unique goals and needs.

Charitable Planning

One of the most rewarding aspects of financial success is the opportunity to pursue charitable interests. In fact, many people consider the personal satisfaction of philanthropy just as gratifying as any financial objective they may accomplish.

With our customized charitable giving programs, you can enjoy the benefits of both. Even with the most altruistic intentions, you can achieve tax-advantaged treatment of your philanthropic contributions while reducing the taxable value of your estate.

Gifting Strategies

Simple gift giving can lower your current taxes while offering the potential for future savings. Gifting is one of the most effective ways to reduce estate taxes.

Charitable Trusts

Different charitable trusts can provide you with income during your lifetime and your charity with assets after you are gone. Or you can reverse the process and contribute income during your lifetime, with trust assets reverting back to your heirs.

Family Foundations

In addition to providing substantial tax and estate planning benefits, family foundations often encourage charitable values in children and grandchildren. We can help you determine if this is the best solution for supporting your philanthropic endeavors.

Relying on the expertise of our charitable giving professionals, we draw on a variety of techniques that will not only benefit charities of your choice, but you and your family as well. Whether you want to give to your alma mater or an organization aiding the less fortunate, our ideas can help you meet your philanthropic goals.

College Planning

Whether the child in your life is 13 years old, 10 months old, or due any day, it’s never too soon to start planning. Thinking about the costs involved in a child’s education can be overwhelming, but the earlier you begin saving, the longer your money can work for you. Making prudent investment decisions can also make a big difference.