Comprehensive Financial Planning
This is our primary service offering and will touch on most or all of the following areas, tailored to your individual situation and objectives. Typically, our clients start with a comprehensive plan. In some cases, one or more of these areas can be reviewed individually.
Retirement, cash flow, and goals planning.
We help identify and map out your goals around lifestyle spending, retirement, college funding, home purchases, and other financial goals. This will include looking to maximize all of your resources including company benefits, retirement plans, employee stock options, or the firm you own. You will receive a detailed cash flow analysis and recommendations for how to get from point a to point b.
- When can I retire?
- Cash flow projections
- Generating cash flow in retirement
- 401k rollover decision
- Pension distribution decisions
- Social Security timing
- Company retirement plan and benefit optimization
RSUs
- Non-qual stock options
- ISOs
- S-Corp shares
- Private company stock
- How much should I have in my company stock?
Tax Planning.
Smart forward looking tax planning can make a big difference when growing your wealth. We help identify tax planning strategies as it relates to your financial plan and investment portfolio.
- Retirement plans – Pre-Tax vs. Post Tax
- Self-employed retirement plan options
- NUA – capital gains for company stock in 401k
- Roth Conversions
- Backdoor Roth IRAs
- Tax-loss harvesting
- Asset location
- Washington State Capital Gains
- Charitable Giving Strategies
Investment Recommendations.
We will look at your portfolio as it exists today and see if we can improve your potential outcomes and align with your objectives. This will include a recommended portfolio and specific buy/sell recommendations. We do not manage the investment portfolio on an ongoing basis. No ongoing fee. No sharing in your upside.
- Portfolio Review (second opinion)
- Asset allocation
- Asset location
- Portfolio construction
- Investment selection
- Passive vs. active investment management
- Tax efficient investing
- Alternatives
- Private Equity/Credit
Small Business Planning.
For most business owners, their firm is the most valuable asset and cash flow generator they have. It is at the center of their financial, tax, and investment world. For our business-owner clients, the financial plan will be built with this in mind.
- Business entity selection
- Retirement Plans
- Health Insurance and other benefits
- Business valuation
- Buy/sell agreements
- Exit planning
Insurance Planning.
A review of your insurance needs in the areas of life, disability, long term care, and property/liability. You will receive specific insurance recommendations that you can implement with the insurance providers of your choice.
- Do I have the right amount and am I paying too much?
- Needs analysis
- Life insurance
- Disability insurance
- Long Term Care
- Property/casualty review
- Beneficiary designations review
Charitable giving & Estate planning.
We will review your estate planning and/or charitable giving preferences and help you build a strategy to align with these goals. You will work with your estate attorney to implement these strategies.
- Beneficiary Review
- Charitable giving strategies
- Step up in basis
- A/B Trust
- Washington State Estate tax exposure
- Will or Living Trust
Faith Based.
For our Christian clients who want to practice stewardship and generosity in a biblical framework. We can integrate these concepts into your comprehensive financial plan.
- Generosity & Stewardship
- Giving strategies
- Faith based portfolio construction and transition
- Impact Investing
- Business owner stewardship