Confidence ~ Clarity ~ Sound Decisions

(201) 572-2177

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Financial Planning


Major life events such as divorce or the death of a loved one can create fears about the future and the ability to manage life’s financial responsibilities. With firsthand knowledge and understanding of what it is like to face these new challenges, we are in a unique position to help you become comfortable, confident and self-reliant when dealing with your personal finances. We work together to be sure that you get the information you need to make the best decisions for your individual situation and help you avoid costly mistakes.

Investment Portfolio Review.

Using statements from brokers, mutual fund companies, banks and retirement accounts, we will look at your investment holdings and analyze your overall portfolio to determine if it best suits your needs and goals. A review of what you own and why may lead to changes that can add to your pool of retirement savings down the road.

Asset Allocation.

Diversification is crucial to the success of all long-term investment plans. Owning a balance of stocks, bonds and cash provides this diversification. Your age, attitude toward risk and long range goals will determine how your overall portfolio should be allocated. By reviewing the investments in all of your accounts, we can determine what your current asset allocation looks like and what changes might need to be made.

Retirement Projections.

Major life events such as divorce or the death of a loved one can create fears about the future and the ability to manage life’s financial responsibilities.Do you wonder what your lifestyle might look like in retirement? Using your current investments, retirement savings and living expenses, projections can be created to give you some sense of when you could retire comfortably.

Cash Flow Analysis.

Cash flow is defined as the difference between income and expenses and is an important piece of every individual’s financial picture. If you are trying to set aside money for college or retirement savings but are finding it difficult, understanding your cash flow may help you understand why.

Insurance Needs Analysis.

Employer-provided life insurance does not usually provide a sufficient death benefit for a family to cover their expenses should something happen to the primary earner. Reviewing a family’s potential long-term needs will help determine whether more insurance is necessary to protect against the unexpected.

College Savings Planning.

As college costs continue to rise, the need to start saving begins earlier and earlier. Determining how much needs to be put aside for the future is the first step in creating a long-term savings plan. With this figure in hand, a monthly or annual contribution to a college 529 savings account can then be calculated.


There are many tools available to assist with budgeting, but just getting started is the daunting task. A budget can help you achieve your savings goals, prevent you from over spending or allow you to better understand where your money goes. Connecting to your banks, credit card and investment accounts electronically can make the process even easier by allowing for the quick download of information.

Financial Coaching.

Because managing money doesn’t come easy to everyone, we will work with you one-on-one to help you establish your budget, organize your bills and payments and develop a spending plan. From balancing your checkbook to setting up online bill pay, we will give you the practical tools you need to make the process of managing your resources as easy as possible.