Financial Planning

I have the knowledge, credentials, and resources to help you take a comprehensive view of your finances and plan a holistic approach to managing them to best meet your long-term goals. Financial planning is an ongoing process designed to provide timely advice as your life changes and evolves.
It's a simple 6-step process that involves several meetings:
Step 1: Our initial meeting is for me to understand your goals and objectives.
Step 2: The next meeting is about gathering as much data as possible to develop your personal plan.
Step 3: We sit down to analyze your current financial situation based on the data you provided. From there we'll develop a comprehensive and holistic solution.
Step 4: We'll review this plan together and discuss recommended strategies.
Step 5: Plan implementation*. We'll also further discuss potential products and recommendations that could help you attain your goals and objectives.
Step 6: Always monitoring your plan and making updates based upon changes to your goals, objectives, and life changes.
This is an ongoing financial planning relationship that I believe will enhance your financial wellness over time. We'll get your financial life organized and in order with every-day expenses and a healthy household cash flow. We'll also look long-term with investments, insurance, tax considerations and more.
*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.
The Six Areas of Financial Planning
Financial Position
Cash Flow
Cash flow analysis
Budgeting
Debt Management
Current debt analysis
Debt restructuring
Mortgage options
Debt reduction strategies
Credit score management
Financing options
Loan vs. lease
Emergency Fund
Structure and funding
Large Expenses
Education funding
Major purchase funding strategies
Retirement Planning
Accumulation Phase
Retirement goal setting
Retirement income projections
Employer sponsored retirement plans
IRAs and Roth IRAs
Fixed and variable annuities
Saving strategies
Distribution Phase
Income distributions strategies
Social Security optimization
Medicare/Medigap
Required minimum distributions
Pension options
Income annuities
*Health insurance products offered by unaffiliated insurers.
**Property & Casualty insurance is offered through a variety of insurance companies that are not affiliated with MassMutual or MML Investors Services, LLC.