Financial Planning

Planning and Consulting


“Always plan ahead. It wasn’t raining when Noah built the ark.”
– Richard Cushing


For Planning and Consulting, we charge an hourly rate. The number of hours estimated for a project are agreed to ahead of time so we can all do our best to avoid surprises. We’ve never asked a client to amend an agreement because we needed more time than estimated.

For our various types of  planning, we utilize a five-step process. In short, we want to correctly understand where you are, where you want to be, and when you need to be there; and then identify anything that might prevent that from happening. Once we know these things, we develop a comprehensive written plan designed to achieve the goal while also identifying all known risks to the objective along with specific plans to mitigate or avoid those potential obstacles.


“It takes as much energy to wish as it does to plan.” – Eleanor Roosevelt

Simple planning might include an immediate financial decision, such as whether or not to pay off your house when some unexpected money comes along or invest the funds and use gains to make the payments. Few good decisions are made without all the options being known. We help our clients understand all their options. We’ve found that once this is done, the best choice is usually crystal clear.

Complex planning is needed when many factors must be taken into consideration over a long period of time with numerous assumptions involved. A simple example of this could be the very common situation of a 50-year-old couple wanting to know how they are doing with their retirement savings. Are they saving enough to retire at age 65 and have the income to maintain their lifestyle? This is a common and simple question that requires a great deal of planning and the consideration of numerous factors both known and projected. But the bottom line is, a plan not only improves the likelihood of success, but it also provides peace of mind along the way.

Financial planning



“Someone’s sitting in the shade today because someone planted a tree a long time ago.”
– Warren Buffett


Types of planning can include:  Retirement Planning, Estate Planning, Divorce Planning, Women’s Specialty Planning, Education Planning and more.


Schedule a private consultation today to learn more about how we use our proprietary and unique approach to Financial Planning to achieve results for our clients.