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Financial Planning
DESIGN THE ROADMAP BEFORE YOU RETIRE
Every client we work with receives a written financial plan that captures the full picture of their financial life, not just their investments. Our plan covers their goals and clearly presents tax planning opportunities, estate planning gaps, insurance coverage, and their retirement income strategy.
SERVICES OFFERED
01
INSURANCE NEEDS
ANALYSIS
06
QUALIFIED SMALL BUSINESS STOCK PLANNING
11
CASH FLOW MODELING AND INFLATION STRESS TESTING
02
BUDGETING
ANALYSIS
07
83(B) ELECTION
PLANNING
12
PENSION DECISION
ANALYSIS
03
ROTH IRA &
TRADITIONAL IRA
08
SOLO
401(K)
13
HEALTHCARE AND MEDICARE PLANNING
04
MEGA BACKDOOR
ROTH IRA
09
RETIREMENT INCOME PROJECTIONS
14
RISK CAPACITY
ANALYSIS
05
RESTRICTED STOCK & STOCK OPTIONS
10
SOCIAL SECURITY OPTIMIZATION
15
LARGE PURCHASE
MODELING
16
WRITTEN FINANCIAL PLAN UPDATED ANNUALLY OR WHEN LIFE MERITS A CHANGE
HOW YOU BENEFIT
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CLEAR RETIREMENT INCOME VISIBILITY
REDUCED UNCERTAINTY ABOUT LONGEVITY RISK
INFORMED PENSION AND SOCIAL SECURITY DECISIONS
STRUCTURED DISTRIBUTION STRATEGY
CONFIDENCE IN FINANCIAL INDEPENDENCE
OUR BLOGS
FINANCIAL MOVES TO CONSIDER FOR YOUR FUTURE - RETIREMENT ACCOUNTS, EMERGENCY FUNDS & INSURANCE
By Louis Green, CFA®, CFP®, CRPS® Financial Moves To Consider For Your Future Retirement Accounts Funding a self-managed retirement plan or contributing to an employer-sponsored plan is one possible way to build long-term wealth. There are many options that are available for you. If you are eligible1, you can fund a Traditional IRA or Roth IRA. Consider a 401(k) or 403(b) plan if either is available from your employer. If you are a business owner, consider a Solo 401(k) or SE
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Production 10com
Apr 252 min read
FINANCIAL PLANNING CHECKLIST
By Louis Green, CFA®, CFP®, CRPS® Financial Planning Checklist Create a goals-based written financial plan to determine the probability of meeting your objectives. Develop and review your balance sheet, outlining your assets and liabilities. Prepare a cash flow statement to analyze your current and future spending. Review all your debt. What interest rate are you paying? Can you refinance at a lower rate? Reduce your debt and interest payments by paying off high-interest rate
Production 10com
Apr 251 min read
CREATING A SAVING PLANS & FUTURE SOURCES OF CASH FLOW
By Louis Green, CFA®, CFP®, CRPS® Create a Savings Plan Whether you are just starting your retirement journey or newly retired, create a savings plan to pay yourself first. If you are just starting your retirement journey, use part of those savings to create an investment portfolio. Even the smallest portfolio can grow significantly over time with consistent contributions. Getting started now will allow you to reap the benefits of compounded interest over time. Future Sources
Production 10com
Apr 252 min read
MANAGING DEBT
By Louis Green, CFA®, CFP®, CRPS® Managing Debt Carrying debt into retirement can become a significant problem for you. If you have a large debt balance with a high interest rate on that debt, making only minimum payments can negatively affect your credit score and make it harder to get out of debt.1 The payments needed to manage that debt in the future will use up vital resources. Below are two hypothetical examples which illustrate the principal balance and interest paymen
Production 10com
Apr 251 min read
SEQUENCE RISKS, WITHDRAWAL RATES & GOALS BASED PORTFOLIOS
By Louis Green, CFA®, CFP®, CRPS® Sequence Risk Having a plan to pay for your expenses in retirement is important because the amount you pull from your portfolio and the timing of those withdrawals are vulnerable to sequence risk, which is the risk of negative market returns right before or soon after you retire. Sequence risk is especially dangerous during the earlier years of your retirement if you are using a diminished portfolio to fund your living expenses. You should ex
Production 10com
Apr 252 min read
SETTING RETIREMENT GOALS & CREATING A BUDGET
By Louis Green, CFA®, CFP®, CRPS® Setting Retirement Goals Financial planning is the foundation of a successful retirement. Creating and sticking to a financial plan is one of the best ways to start planning for your future. However, how do you know where to start? Start by setting your retirement goals. How much income will you need in retirement? What do you want to accomplish in retirement? Where do you want to live? What activities do you want to participate in? Are you l
Production 10com
Apr 252 min read
UNIQUE CHALLENGES FACED BY BUSINESS OWNERS & RESTRICTED STOCK RECIPIENTS
By Louis Green, CFA®, CFP®, CRPS® Challenges Unique to Professionals Consider challenges that are unique to your profession. For example, if you are a medical professional, your student loans may have prevented you from funding an investment account. If debt is still a concern, create a plan to reduce your debt while also funding an investment portfolio. If you have a busy schedule, consider collaborating with an advisor who understands the unique challenges of your career an
Production 10com
Apr 253 min read
FINANCIAL PLANNING QUESTIONS
The answer depends on lifestyle goals, income needs, longevity expectations, healthcare costs, and inflation not a fixed number.
Timing depends on health, income needs, marital status, and tax considerations. Delaying benefits increases monthly income but must fit into an overall plan.
A retirement income plan coordinates withdrawals, pensions, Social Security, and investments to create predictable income while managing risk and taxes.
It depends on your current tax bracket versus your expected future tax bracket. A Roth IRA offers tax free growth and tax-free withdrawals in retirement if rules are met. A Traditional IRA may provide a current tax deduction, but withdrawals are taxed as ordinary income. Many investors benefit from tax diversification by holding both types.
If you are in a higher tax bracket today and expect to be lower in retirement, a Traditional 401(k) may provide valuable upfront tax savings. If you expect higher taxes later or are earlier in your career, a Roth 401(k) may offer long-term tax-free income. The right answer depends on income projections and long-term planning.
Solo 401(k) is a retirement plan designed for self-employed individuals or business owners with no full-time employees other than a spouse. It allows higher contribution limits than many other retirement accounts and may include both Traditional and Roth contribution options.
Mega Backdoor Roth strategy allows high-income earners to contribute after-tax dollars to a 401(k) plan and then convert those funds into a Roth account. This strategy is only available if your employer’s plan allows after-tax contributions and in-plan conversions or rollovers.
Roth conversion moves funds from a Traditional IRA or 401(k) into a Roth account. You pay income tax on the amount converted in the year of conversion, but future growth and qualified withdrawals can be tax-free. Roth conversions are often used to reduce future required minimum distributions (RMDs).
Roth IRA contributions are subject to income limits. If your income falls below IRS phase-out thresholds, you may contribute directly. If your income exceeds those limits, you may still be eligible to use a Backdoor Roth strategy.
You can generally contribute to a Traditional IRA if you have earned income. However, the tax deductibility of your contribution may depend on your income level and whether you are covered by an employer retirement plan.
Backdoor Roth IRA is a strategy that allows high-income earners to fund a Roth IRA indirectly by making a non-deductible contribution to a Traditional IRA and then converting it to a Roth IRA. Proper execution is important to avoid unintended tax consequences.
A self-directed brokerage window within a 401(k) allows participants to invest beyond the plan’s core fund lineup. It provides access to a broader range of investments such as ETFs, mutual funds, and sometimes individual securities, depending on plan rules.
After leaving an employer, you typically have four options:
Leave assets in the former employer’s plan
Roll them into your new employer’s plan
Roll them into an IRA
Cash out (which may trigger taxes and penalties)
The best option depends on fees, investment flexibility, and tax strategy.
A financial plan is a structured roadmap that outlines how your investments, taxes, retirement accounts, estate strategy, and lifestyle goals work together to support long-term financial independence.
You start by defining your goals, gathering financial documents, analyzing assets and liabilities, and identifying risks. From there, you (or we) build projections for retirement income, taxes, investments, and estate planning before implementing a coordinated strategy.
A comprehensive financial plan often includes: Net worth and cash flow analysis, Retirement income projections, Investment allocation strategy, Tax planning recommendations, Risk management and insurance review, Estate planning coordination, Action steps and implementation timeline.
Financial plans should be reviewed at least annually and updated after major life events such as marriage, divorce, job change, inheritance, business sale, or significant market changes. Ongoing review ensures your plan adapts as your life evolves.
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