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We Offer Personal Financial Planning Services

We support our clients with six essential categories of personal finance planning. Communication is key, which is why we stay in touch with you all year, not just at tax time. Our goal is to ensure that you always know where you—and your business—stands and never leave you wondering. And to guide you through every step, we share with you a complimentary copy of The Ultimate Guide to Planning Your Personal Finances, which takes you through the “big six” elements of personal financial planning.

Chapter 1: Cashflow Planning – A cashflow plan is the bedrock of your financial strategy. It’s not about budgeting or stripping your life down to the basics. Rather, it’s about forecasting and using your money in a smart way. Without cashflow planning, you won’t be effective with the next five steps explained in the chapters that follow. The goal is simple: compare your family’s income with its expenses to achieve a debt-free life. We will walk you through these first fundamental steps, creating the foundation of your financial management.

Download the first chapter of The Ultimate Guide to Planning Your Personal Finances by Mike Bernstein.

personal finance ebook

Chapter 2: Insurance Planning – Life comes with many surprises, some of which might not be positive. When these happen, you want to keep yourself and your loved ones protected from the consequences. And there’s no better way to do it than with insurance. Our experienced teammates can consult with you about various types of insurance, including life, long-term care, health, umbrella, overhead, and disability insurance.

Chapter 3: College Planning – We show you how to use savvy tax strategies to save for college. In doing so, you will teach you kids the power of saving and investing for the future. If you start while your children are still young, you can buffer one of the highest expenses that you’ll encounter in your life.

Chapter 4: Retirement Planning – The last thing you want is to spend your retirement barely getting by. After decades of hard work, you deserve to live an enjoyable and exciting life. We dive into your retirement plan here and explore pre-tax pension plans, quarterly investments, and estimate how much you’ll need to retire.

Chapter 5: Estate Planning – Estate planning protects those around you from the consequences of unpredictable tragedies. The last thing you want is to make an unfortunate event harder for your loved ones. Careful estate planning can do wonders for saving taxes, as well.

Chapter 6: Tax Planning – We do everything in our power to help you bring your tax burden to a minimum. Having a firm grasp on your taxes is an effective way to save a lot of money in the long run.