Optimize your current lifestyle in order to achieve your long term financial goals.
Design a plan for your future.
What do you want for your family, career/ business, and community?
The Formation stage lays out your dreams and starts to put numbers, metrics, and goals in place to achieve them. We start by understanding what you have, including all of your investment accounts, retirement accounts, assets, liabilities, income and expenses. By analyzing your objectives, current investments, expenses, and risk tolerance we will generate a plan of action to meet your goals, accounting for inflation and taxes.
TOPICS TO CONSIDER
1 in 4 Americans have no emergency savings; 67% have less than 6 month’s worth of expenses
34% of middle-class Americans are not currently contributing to a retirement savings vehicle
Source: Wells Fargo survey
The average annual cost of attendance at an in-state public and private college averaged respectively $22,826 and $44,750
Considerations During Formation
Are you on track for retirement? We can counsel you on how much to save, how to invest, and how to navigate your company’s plan.
Mutual funds, stocks, bonds, real estate, ETFs, gold … We will provide guidance on how and where to invest your hard-earned money.
Should you be concerned about paying for college?
We will help you develop a clear strategy for saving for these costs.
Should you pay off your mortgage? Is this even possible? We can provide the information you need so that you can make smart decisions.