Wherever Life Takes You
BUILDING YOUR
FINANCIAL FOUNDATION
> Am I saving and investing enough?
> Am I making tax-smart financial decisions?
> Am my finances on track to support my goals?
GROWING YOUR BUSINESS
> How should I pay myself and manage taxes?
> Which retirement plan is right for my business?
> How can I protect my business and my family?
PREPARING FOR RETIREMENT
> When can I afford to retire?
> How much can I comfortable spend?
> How can I manage taxes throughout retirement?
NAVIGATING LIFE TRANSITIONS
> What financial decision should I prioritize?
> How will this change affect my financial future?
> What parts of my financial plan need to change?
Cash Flow Planning
Manage your income, expenses,
debt, and savings with your
goals in mind.
Retirement Planning
Plan for retirement income, spending, taxes and long-term financial security.
Financial Planning Built Around You
Your financial decisions are connected. We bring your cash flow, investments, taxes, retirement, insurance, and estate planning together into one coordinated plan.
Investment Planning
Build a diversified portfolio that
aligns with your goals, time horizon, and risk tolerance.
Risk & Insurance Planning
Evaluate insurance needs and help protect you, your family and your financial plan.
Tax-Aware Planning
Look for opportunities to lower your tax liability and keep
more of what your earn.
Estate Planning
Help align your estate plan with the people and priorities that matter to you.
How We Work
1
Introductory Conversation
60-90 minutes
Complimentary
We'll learn about your goals, your questions, and what brought you here. You'll also have the opportunity to learn about LuminPath Planning and decide whether we're the right fit for your needs.
2
Discovery
Once we decide to work together, we'll begin gathering the information needed to understand your complete financial picture. This may include:
-
Income and cash flow
-
Tax returns
-
Retirement accounts
-
Assets and liabilities
-
Insurance coverage
-
Estate planning documents
-
Your goals and priorities
3
Building Your Plan
Using the information you've shared, we'll develop personalized recommendations designed around your goals and circumstances.
4
Refining Your Plan Together
We'll meet to review your plan together. We'll explain our recommendations, answer your questions, discuss alternatives when appropriate, and refine the plan until you're comfortable moving forward.
5
Implementation
Once you're ready, we'll help you put your plan into action.
Some recommendations can be implemented right away, while others may be carried out gradually over time. When appropriate, we'll also coordinate with your CPA, attorney, insurance professional, and other trusted advisers.
6
Ongoing Review
Financial planning doesn't end after implementation. As your life, family, career, or business evolves, your financial plan should evolve as well.
We'll continue to review your progress, revisit your priorities, and adjust your plan whenever life calls for it.
