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Financial Planning


One of the keys to a sound financial plan is spending less than you take in, and then finding a way to put your excess to work. My holistic financial planning approach involves creating in-depth strategies to understand and make decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.


How I Work With You

To achieve your financial goals, you must be strategic in your plan and patient in the execution. Whether you’re saving for a home, a college education, a dream project, or investing for retirement, having a trusted financial planner can support and guide you to make solid decisions that turn your life goals into reality. Personalized financial planning is integral to everything I do for each client's unique situation. Using innovative digital tools paired with a hands-on people-first approach, I make your money work harder and smarter for you.

SIX AREAS OF FINANCIAL PLANNING

Financial Position 

Cash Flow

  • Cash flow analysis
  • Budgeting

Debt Management

  • Mortgage options
  • Debt reduction strategies
  • Credit score management
  • Financing options
  • Loan vs. lease

Emergency Fund

  • Structure and funding

Large Expenses

  • Education funding
  • Major purchase funding strategies

Risk Management 

  • Life insurance
  • Disability income
  • Long-term care insurance
  • Health insurance
  • Homeowner's and renter's insurance
  • Automobile insurance
  • Excess liability coverage
  • Group coverage

Investment Management 

  • Portfolio analysis
  • Asset allocation
  • Security selection
  • Stock options and restricted stock
  • Non-qualified deferred compensation

Tax Minimization Strategies 

  • Deductions and credits
  • Tax efficient investing
  • Asset location
  • Ownership structure
  • Cost basis analysis
  • Tax loss harvesting
  • Carry forward losses
  • Health savings and flexible savings accounts
  • Liquidation strategies
  • Roth IRA conversions and re-characterizations

Retirement Planning 

Accumulation Phase

  • Retirement planning
  • Employer sponsored retirement plans
  • IRAs and Roth IRAs
  • Fixed and variable annuities
  • Saving strategies

Distribution Phase

  • Income distributions strategies
  • Social Security optimization
  • Medicare/Medigap
  • Required minimum distributions
  • Pension options
  • Income annuities

Estate Planning

  • Living wills
  • Beneficiary designations
  • Powers of attorney
  • Health care proxies
  • Wills
  • Trusts
  • Guardianship for minors
  • Special needs planning
  • Business succession planning
  • Charitable giving
  • Legacy planning
  • Federal and state estate taxes

FAMILY AND LIFE CHANGES

Big changes can happen in your life at any time, so you have to think carefully about financial decisions that may affect your future. Whether your family is growing or you’re trying to limit the impact of a transition on your loved ones, remember your long-term goals. You may be considering important life events like college or marriage; you may be put in a position of caring for the people who supported you throughout your life; or you may be negotiating a settlement to divide your combined assets—no matter what the situation, you’ve got a lot to think about. Planning now could help make the difference between just getting by and living comfortably down the road.

Here are some options to consider:

Securities, investment advisory, and financial planning services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. Please note that you can implement your financial plan at the financial institution of your choice. *Registered representatives do not provide tax and/or legal advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate. 6 Corporate Drive, Shelton, CT 06484 

CRN202001-224482