Getting Started

Building a Solid Foundation

When do I start paying off my college loans? How much should I save each payday? What are the best ways to invest my savings? How much will I have to pay in taxes? Do I need insurance? What constitutes a good budget? Which of my company’s benefits options are right for me? Are credit cards a good idea?

Sound familiar? You’ve completed your education and are beginning your career. You’re quickly finding that many financial details in life were not covered in class. You have lots of questions, but aren’t sure if it makes sense yet to seek out the answers. The answer is yes. The decisions made early in your life and career directly impact the options available down the road.

Or perhaps you’re considering getting married and starting a family. With that comes more questions. Do I buy a house or rent? What are my options for a mortgage? How do I protect my family’s future financial security? How do I plan to finance my children’s education?

We often find many in this stage of life have experiences with their parents’ “financial guy.” But the relationship that worked for mom and dad just doesn’t feel right for the questions you’re considering for yourself and your life independent of your parents. We’ll help answer your questions – focusing on the areas that are most important to you. Working together, you’ll be on a path toward reaching your goals.

Key Areas of Focus:

  • Investments & Retirement Planning: Determine desired future needs that may seem far off and abstract now, but can be significantly impacted by current savings opportunities. Identify the most appropriate investment vehicles, as well as review diversification and allocation of existing investments, including Roth IRAs and current and previous work 401(k) accounts.
  • Risk Management: Define your protection needs, evaluate existing policies and those available through work, and recommend solutions to protect your and your family’s standard of living in the event of disability or death.
  • Personal & Family Finances: Review day-to-day finances to ensure spending and saving align with long-term goals.
  • Tax Planning: Review tax position and implement strategies to reduce tax burden considering new and changing tax law. Analyze the current and future tax implications of your investments.