Financial Planning

You Define the Goals, We Bring Them to Life.

Teaming up with a group of experienced and dedicated planners is the first step to making your financial dreams come true. We believe in the value of a plan. Whether your goal is saving for a college education, retiring comfortably, or passing on a meaningful legacy we know how to create a plan focused on reaching your goals.

The Five Stages of Financial Maturity

1. Establishing a Firm Financial Footing

  • Predictable cash flow and a systematic savings program.
  • Emergency funds on hand, basic insurances in place.
  • Understanding and using employee tax-advantaged benefits.

2. Creating Net Worth

  • Increasing investment return within limits of risk tolerance
  • Reducing the impact of taxes
  • Reducing debts and liabilities
  • Systemic investment programs

3. Managing Financial Success

  • Recognizing the magnitude of your net worth (estate)
  • Effective investment and risk management
  • Attainment of important goals: college, retirement, etc.
  • Basic Will and Trust planning
  • Business succession planning

4. Achieve Financial Independence Part I: Retirement and Income Planning

  • Creating a reliable and sustainable level of income after retirement
  • Maintaining and expanding assets
  • Protecting against loss of purchasing power and taxes

5. Achieving Financial Independence Part II: Transfer of Wealth

  • Leveraging gifts during lifetime
  • Reducing the taxable estate at death
  • Paying the unavoidable taxes
  • Sophisticated planning for multi-generational wealth transfers

Having a coach like Bob to help us through the transition to retirement has been invaluable. He’s so knowledgeable and very responsive.

- Rick and Megan S., Allentown

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