In my experience, individuals and couples have a great deal of trouble establishing realistic and manageable financial goals. While the two are often confused by consumers, investment management differs from financial planning.  Financial planning is much broader, involving far more than investment management. It encompasses budgeting, short and long term goal planning, insurance, retirement education and legacy planning, Social Security planning, asset location and withdrawal planning, tax advantaged strategies and more.

I help my clients formulate, monitor and adjust their financial goals by:

Defining/Clarifying Goals: My role here is to help facilitate quality conversations with individuals and couples.  To do this effectively I need to actively listen to your goals and concerns.

Staying on Track: To have real impact, a financial plan should be updated at least annually.  Further, a comprehensive plan has specific action items and time frames for those actions.  My job is to keep you accountable to these actions.

Creating a Partnership:  For most of us, a partnership is much more effective than going it alone.  Personal experience has taught me I am more likely to accomplish my goals with the help of others.  I want to build long term partnerships with my clients.

Making Informed Financial Decisions:  I believe that to make informed decisions we need to have the relevant facts and be aware of the emotional and behavioral traps that can lead to bad decisions.   Ongoing planning allows us to look at every decision and to evaluate its impact on your life.  While few decisions are purely rational, I believe it is important to consider all the information before making financial decisions.