GETTING STARTED
“Behold the rain which descends on our vineyard, there it enters the roots of the vines to be changed into wine.”
– Benjamin Franklin
Just Starting Out
Embarking on your financial journey can be an intimidating process. So many small things now can make a big impact later. We understand that you have questions, and we believe that ALL of your questions are important. We will patiently and thoroughly answer each one and help to make a comprehensive flexible financial road map that will work for you now and well into the future.
TOPICS TO CONSIDER
Saving
Importance of a Systematic Savings Plan
Importance of contributing to a 401K/IRA Plan & Employer Matched Contributions
Budgeting
How to make & KEEP a budget
Credit Card Pitfalls
The importance of knowing your credit report and FICO Score
Debt Management & how Debts can HELP
Protection
The Important role of Insurance for protecting your income
Basic Financial Planning
Setting Goals & Cash Management
Getting Married
Sharing your life with someone is a big step. Sharing your financial life with someone at times can seem bigger. We can help by establishing a clear and thorough financial plan. We will handle some of the less-glamourous financial concerns, helping you to focus on your “happily ever after”.
TOPICS TO CONSIDER
Saving
Debt/Credit Evaluation
Savings Goals & How to get there
Budgeting
Income/Spending Habits
Protection
Asset and Income Protection
Insurance Choices – life, health, property, disability
Change of Beneficiaries for 401K/IRA & Insurance Policies
Safeguarding your future with proper estate planning
Marriage Tax Implications
Opening A Business
Becoming your own boss can be an overwhelming and detailed process. You need to make sure that all steps are properly in place to safeguard your personal finances and to protect your business. You also need to have a clear financial plan in place to make sure that your business can continue to grow – giving you financial freedom. Let’s help you get “Open for Business”.
TOPICS TO CONSIDER
Entity Selection
Choosing the Best Entity for Your Situation (C-corp, S-corp, LLC, Partnership, Sole Proprietorship)
Secretary of State filings
Applying for an Employer Identification Number (EIN)
Accounting
Financial Statements & Financial Reporting
Payroll Setup & Management
Tax Compliance
Tax Filing & Records
Employees or Independent Contractors
Employee Payroll, Workers Compensation & Disability & Paid Family Leave Insurance
Human Resources
Business Property
Own or Rent (Lease Agreements)
Business Insurance
Liability, Property, Health, Commercial Auto
Starting A Family
The decision to begin a family is a huge step. We can help with all of your financial questions that go along with expanding your family – the late night feedings and diaper changes are on you, though.
TOPICS TO CONSIDER
Saving
Education Funding Choices
Tax Implications
Budgeting
Adjusting Income and Spending Habits
Protection
Safeguarding your future with proper estate documents
Change of Beneficiaries
Insurance Choices – life, health, property
Appointing Guardians
Updating all Family Documents
Special Needs Situations