Comprehensive Financial Planning
We evaluate your current situation – your resources, your values, your
tolerance for risk, and your aspirations. We target your objectives and
work with you to develop and implement a customized comprehensive plan
designed to meet your specific financial goals. We monitor and evaluate
the plan, and make adjustments as necessary based on changes in your
circumstances, needs, and expectations.
Retirement Planning
What stage are you in? Are you just starting to save, already saving,
nearing retirement, already retired, or changing jobs? It’s never too
early or too late to plan for your lifestyle needs.
Estate Planning
Take inventory of your assets, plan your will, consider trusts, and
constructively manage potential tax consequences related to posthumous
asset transference.
College Planning
Plan ahead so your children can go to college and you can still retire
comfortably. Maximizing college aid minimizes stress. Consider tax free
tuition contributions utilizing 529 plans.
Tax Planning and Management
Save time and money by working with someone who is familiar with your
financial structure. Planning and preparing your taxes in the same
location makes sense. Tax preparation services are available through
Beverly A. Fischetti, CPA.
Asset Management / Distribution Planning for Separation & Divorce
The financial ramifications of a divorce can be devastating, but with
proper planning and preparation you can increase your chances of
reaching an equitable settlement that addresses the long-term financial
needs and capabilities of both parties, and avoid potentially disastrous
economic pitfalls.
Domestic Partnership and Couples Planning
Planning a life together? Discuss wills, living wills, power of
attorney, real property, estates, asset transference, and tax
consequences in planning for the future with your significant other.
Planning for Special Needs Individuals
The issue is not about lifetime care, but about the quality of
life. Many children with special needs are outliving their parents
thanks to improved medical technology. Plan for your child or loved
one's future. Proper special needs planning will address important
issues such as guardianship, preservation of government benefits, and
the use and management of trust funds, among others.
Long-term Medical Care Planning
Our life expectancy is increasing, but living longer does not always
mean living in perfect health. The concept of long-term care raises
significant financial, legal, and emotional issues. Taking the time to
plan now, before there is a need, will give you peace of mind in knowing
that you are prepared for difficulties that may arise.
Budgeting and Cash Analysis
If you don't know where you are going, any road can take you there.
Evaluating your financial needs and goals is an important step in the
journey toward reaching your financial goals. Help in prioritizing your
fiscal responsibilities can maximize your available resources.
Employee Benefits Plan Analysis
Maximize the value of your business’s group insurance, retirement
savings allocations, and other employee benefits. Could cafeteria plans
or health savings plans help keep your employee benefit costs under
control?
401(k) / Qualified Plan Allocation
Are you self-employed, incorporated, or in a limited liability business structure? Should your company offer profit sharing? What sort of tax deferral options are available?
Insurance and Risk Analysis
Protect your personal and business assets by evaluating your risk exposure and structuring your insurance coverage according to your specific needs.
Stock Options Analysis
Evaluate how to effectively manage the options and convert them into investible assets, and determine the best time to do so. This aids in diversification of assets.
Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss. With any investment vehicle, past performance is not a guarantee of future results.