When it come to financial planning and wealth management, it's important that you integrate the various financial planning areas of your life. Integration involves taking all of your personal and financial data and assimilating them into various planning models in order to help you reach your planning goals.

For example, your estate plan must be coordinated with the beneficiaries listed on your IRAs and 401(K). Your projected rate of return in your investment planning, combined with any pension income or social security income, must be coordinated with how much income you will have during retirement. Your risk management (insurance) programs must be coordinated with your family needs and cash flow. Your income tax planning must be coordinated with your investments and retirement plans. There are numerous connections between these planning areas that we will address using our integrated planning models.

Why is it important to plan like this ? From my experience, I strongly believe that it is important to plan this way for two reasons. One, we make sure you aren't covering yourself in one area at the risk of being exposed in another one. Second, you cannot effectively plan with a single purpose . . . there are too many interrelated issues to just focus on a single issue.

Like a builder uses a blueprint to build a home, I build your planning models with a "blueprint" of your information obtained from our completed Data Form. Not only does your Data Form provide me with specific financial information, but it also asks you to list the specific goals you have regarding your money and other planning areas. It's important for me to know how you feel about these planning areas and what you want to accomplish. My integrated planning models are not "boilerplate" plans, either, as I customize your models based on the "specs" found in your Data Form.

After you complete the Data Form and we have filled in any "gaps", I will use the information to create your integrated planning models. Your plan will come with recommendations as well as action timelines for completion. I will create models in the following areas :

1. Debt Analysis

2. Risk Management

3. Personal Estate Planning

4. Income Tax Reduction

5. Capital Income Planning (retirement years)

6. Investment Management


Note: Not everyone has issues or problems to solve in all of these planning areas. We will determine which ones need to be addressed in our initial consultation.