DON’T LOSE SLEEP OVER STUDENT LOANS OR OTHER DEBT.
Many of our clients aren’t sure how to manage undergrad, graduate, or medical school debt, which can be paralyzing. A comprehensive financial plan should be built mindful of and inclusive of your debts and cash flow.
IT’S EASIER TO CLIMB THAN TO DESCEND MT. EVEREST.
Statistics show more accidents occurring during the descent rather than the climb of Everest. Retirement is quite similar. Accumulating resources is much easier than knowing the tax and performance pitfalls during retirement distribution.
MARKETS PREVAIL – YOU SHOULD TOO.
Many investors grossly underperform the market as emotion and speculation replace their otherwise sound and disciplined decision making. Systematic, disciplined, and committee-reviewed decisions are the baseline of a fiduciary’s investment management process.
We understand the uncertainty of the future, be it 4 days, 4 years, or 40 years from now. Our thorough planning processes and commitment to our clients enables us to ensure you confidently approach your financial future.
Physicians, engineers, consultants and business and/or land owners most commonly approach us with questions other advisors haven’t yet clarified for them. In such cases, we provide a patient approach to finding the best answers.
Student loans, lines of credit, and other debt should be regularly benchmarked. Increasing your credit profile can be just one way to lessen the costs of servicing your obligations.
Growing your resources with the most appropriate asset location, allocation and taxation are necessary to maximize returns vs. risks taken. Dedicated processes and due diligence are needed in an ever changing market and tax environment.
Imagine using your last ounce of energy to climb Mount Everest, with no strategy for returning to home. You save money so you and your loved ones can later enjoy it. Beginning with the end in mind, considering market movements, tax law changes, etc., allows retirement to be far more efficient than beginning with no distribution strategy.
Whether it’s a job loss, death, disability, lawsuit, or property damage, risks to your plan can present themselves at any time. Holding appropriate reserves, insurances, and legal instruments can protect your money… and your future.
Your Cash Flow Statement
It Was the Best of Times, It Was the Worst of Times
Silver Sneakers 101
Social Security: Two Benefit Strategies Eliminated