Comprehensive Financial Planning – is the process of assessing your current financial situation, defining your goals, and determining the steps necessary to achieve your goals. Once a plan is put in place, periodic updates are necessary to track progress. All planning is done in house with the goal of removing as much uncertainty as possible with regard to your finances. The components of the plan include:

1. Define Financial Goals – Clarifies what it is that you really want to accomplish with your finances, whether it is a risk free retirement, or sending your child to get her degree.
2. Budget Analysis – Brings awareness to spending habits so that you can make conscious decisions towards funding your goals.
3. Tax Analysis – Minimizes how much goes to Uncle Sam so that you can maximize how much goes to your golden years.
4. Cash Management – Answers the question: Are you overspending, or under spending? Also lets you know how much you can save for your goals.
5. Financial Goals Analysis – Figures out how to accomplish your goals based on your income and expenses.
6. Investment Analysis – Asseses your current investments and whether or not they will help or hurt your attempts to fund your goals.
7. Insurance Analysis – Eliminates uncertainties and provide peace of mind, knowing that your plan has a safety net.
8. Estate Review – Finds ways to disinherit Uncle Sam, and give to the people or causes you believe in.