Planning


No matter what stage you are at in life, planning for the future is always a prudent decision.  The decisions you make today can have a significant impact on your future.  Whether you are planning for retirement, retired, or planning your legacy, working with a Certified Financial Planner, CFP®, is important.  Every client’s situation is unique to them and their family, it is our goal to create a customized financial plan that addresses your unique needs/wants/wishes.   

  • Retirement and Cash Flow Planning
    • Monte Carlo Analysis – probability testing to determine the likelihood of success
    • When and Where to Withdraw - making the most of assets through planning
    • Social Security - compare strategies and the impact each strategy can have on the success of your plan
    • Health Care - plan for future expenses to protect assets
  • Tax Efficient Wealth Transfer Planning
    • Traditional use of Marital and Credit Trusts
    • CLATs, CRUTs, GRATs (and the rest of the Alphabet)
    • Effective use of Defective Grantor Trusts
    • Filling gaps with Insurance - wealth replacement for illiquid estates
  • Philanthropic Counseling
    • Making a Difference
    • Donor Advised Funds
    • Family Giving and Private Foundations
  • Tax Efficient Investing
    • Making the Most of Volatility
    • Tax Positioning to Minimize Taxes
  • In addition, we coordinate family meetings and assist families in succession planning and wealth education.

For more information or any question, please reach out to Dusty Richter, CFP®.