Financial Services

Working with individuals, families, and business owners, we seek to identify your entire financial picture, including where you are today and where you want to be tomorrow. Our goal is to develop strategies that may suit your unique needs and determine appropriate ways to minimize taxes.

Our financial services include:

Wealth Management*

We seek to help clients build and protect their wealth while minimizing taxes. We work closely with clients to implement and regularly manage a strategy that complements their unique financial objectives.

Retirement Planning*

Many of our clients planning for retirement are focused on preserving their wealth and creating a consistent income stream that lasts through retirement. With this in mind, we develop conservative strategies with a focus on risk management. We seek to identify opportunities for building a consistent income that will last through retirement and help clients determine when they may be able to retire. The retirement income planning process often includes analyzing income sources, managing assets, determining future expenses, and estate planning. Beyond developing a retirement plan, we can offer clients advice and education on Social Security (including how to claim and maximize their benefits), long-term care insurance, and other complex financial elements of retirement.

Estate and Trust Planning

Effective estate and trust planning can ensure financial security for loved ones. For businesses, it can maintain a smooth succession of ownership. We help you navigate the complex and shifting tax laws to facilitate the transfer of assets and minimize the tax liability of your beneficiaries.

Employee Benefits, Pension, and Profit-Sharing Plans

Choosing and administering benefit plans for your employees is a complex process. We can help you develop and implement your benefit, retirement, and profit-sharing plans with an eye toward rewarding your employees and reaching your company's financial and business goals. We can also help maximize tax advantages in implementing these plans.

Cash Flow and Budgeting Analysis

Good cash management can improve a company's liquidity, reduce costs, and increase profitability. We can help you maintain optimal cash flow levels by tracking sources and uses, forecasting, and budgeting accordingly.

Financial Projections and Forecasts

No one can predict the future perfectly, but we can all benefit from planning for it. We combine our expertise with a gained understanding of your business to produce financial projections that can help you manage your business plan and spending. We make it a point to keep current with market trends and updates so your business can be prepared for what is to come.

Debt and Finance Advising

Whether your needs are corporate or personal, we can assist you in sorting out the different options available for debt management and financing that will lower your payments and/or reduce the total amount of interest paid.

Insurance

There are a number of different insurance options available and it can be confusing determining which policies are most appropriate for an individual and their family. We can help educate clients on insurance options, including life, disability, and long-term care.

_{*These services are offered by Bob Schlumberger and Jennifer Jones through their affiliation with Avantax.}