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Management a family's or individual's income and expenses, and ensure funds are available for savings and investment.

TAX PLANNING

Exercise undertaken to minimize tax liability through the best use of all available allowances, deductions, exclusions, exemptions, etc., to reduce income and/or capital gains.

RETIREMENT & EDUCATION PLANNING

Process of determining retirement income goals & the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. 

RISK MANAGEMENT

To avoid, minimize or protect yourself and your family from risk. The risk might be due to loss of family income from death, disability, illness, legal action, or other circumstances beyond your control.

ESTATE PLANNING

The collection of preparation tasks that serve to manage an individual's asset base in the event of their incapacitation or death, including the bequest of assets to heirs and the settlement of estate taxes. Most estate plans are set up with the help of an attorney experienced in estate law.

INVESTMENT PLANNING

The placing of funds into the proper investment vehicles based on the investor's future goals, time horizon, and priorities. This also takes into account the safety of the investments as well as liquidity and level of return. Ideally, proper investment planning will allow the investor's funds to produce financial rewards over time.

CASH FLOW MANAGEMENT