Fee-Only Retirement Planning, Financial Planning & Investment Management

Financial Planning Services



Financial Planning generally involves assessing a client’s assets and liabilities, income and expenses, risk tolerance, tax exposure, and estate planning needs. The financial planning process takes a detailed look at a client’s personal financial needs and goals for the future, with the objective of creating and implementing a financial plan designed to help each client achieve their financial goals.

Not every client needs the extensive financial or retirement planning services provided by a CERTIFIED FINANCIAL PLANNER™ practitioner. Michael will work with each client to determine the planning services appropriate for their unique situation.


Services offered by Michael may touch upon several financial areas, including:

Investments

Individualized management of investment assets (Investment Management clients only).

Formulation and prioritization of short-term and long-term financial goals.

Analysis of cash flow needs.

Evaluation of current or prospective investment portfolio and suitability.

Retirement Planning

Formulation of retirement goals and budgets.

Determination of income and assets required to meet retirement goals.

Evaluation of retirement investment vehicles.

Evaluation of retirement plan distribution options.

Taxation

Analysis of tax implications of investments and property.

Analysis of gift tax and estate tax situations.

Preparation of individual tax returns (Investment Management clients only).

Estate Planning

Explanation of Estate Planning needs and documentation, including Wills, Trusts, Community Property Agreements, Directives to Physicians, and Powers of Attorney.

Evaluation of current or prospective fiduciary representatives.

Assistance with coordination of estate plans with insurance and investment plans.

Insurance

Evaluation of property, liability, health, disability, life and long term care insurance needs.

Assistance with coordination of policy coverage and selection.


Availability

Michael is not taking on new client work at the present time.
He apologizes for his current lack of availability.