Comprehensive Financial Planning
For our clients that want to take a holistic, integrated approach to financial planning, we offer comprehensive financial planning services. Using this approach, we work with our clients to analyze and evaluate virtually every aspect of their financial situation. This process allows us to help our clients to meet their goals in an efficient, balanced way. Visit our Comprehensive Financial Planning page to learn more about how our dynamic approach can help you.
We understand that not everyone wants or needs comprehensive financial planning. This is why we can also limit our planning, consulting and/or advisory services to your specific needs.
Personal Financial Planning
For some of our clients, the most important aspects of financial planning are cash flow management, budgeting, debt reduction, and short-term savings. We help answer questions like “How much do I need to save to buy a house?” and “Which of my debts should I pay off first?”. Visit our Personal Finance page to learn more about how we can assist you.
Retirement Planning
Planning for retirement is one of the most important aspects of financial planning. No matter how close or far away you are from retirement, we can help you to build a solid plan that will allow you retire with the safety and security you need to enjoy your retirement. Learn more about our Retirement Planning services and how we can help.
Insurance Planning and Risk Management
A solid financial plan includes good insurance planning and risk management solutions. Using financial tools such as life insurance, disability insurance, and annuities, we help our clients manage risks to both their income and their assets. We work with our clients to guarantee that their financial plans are not thrown off track due to an unforeseen event like a premature death or a disability. For more information about the steps we can take to reduce the risks in your financial plan, please visit our Insurance Planning page.
Investment Advisory Services and Portfolio Management
Choosing the proper investments is critical to the success of your financial plans. We work closely with our clients to develop investment plans that carefully match their needs and risk tolerance with carefully managed portfolios of stocks, bonds, mutual funds, ETFs and other appropriate investments. You can learn more about our approach to investment management and asset allocation strategies from our Investment Planning page.
Education Planning
Being able to send your child to college is near the top of the wish list for most parents. A college education can open doors to many opportunities and is increasingly necessary in today’s economy. But that diploma doesn’t come cheap. Unless you are very well off financially, it’s difficult to sit on the sidelines for years and then suddenly find the money to pay for college when your child is ready to go. To learn more about how we can help you find the right way to save for your child’s future college expenses, visit our Education Planning page.
Tax Planning
Taxes can play a huge role in your overall financial plans. We work closely with our clients and their existing tax professionals (CPAs, EAs, etc.) to minimize the impact of taxes on their current income as well as their saving, investment and retirement plans. For an overview of our approach to reducing our clients’ tax burdens, visit our Tax Planning page.
Estate Planning
By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive and to conserve and control their distribution after your death–according to your goals and objectives. But what estate planning means to you specifically depends on who you are. Your age, health, wealth, lifestyle, life stage, goals, and many other factors determine your particular estate planning needs. Visit our Estate Planning page to learn more.
Business Planning
Business owners have unique financial planning needs. Not only do they need to consider their personal and family financial situation, but many times they have to plan for unusual cash flow situations. In addition, business owners often have a significant portion of their net worth invested in their businesses. This can create estate planning issues as well as business succession issues that must be effectively dealt with in order to avoid losing part or all of the business to taxes.
At Cona, we work with our business owner clients to help them manage not only their personal finances, but also their company retirement plans (401k, SEP-IRA, SIMPLE IRA, etc.) and employee benefit plans (health insurance, group life insurance, etc.). Read more on our Business Planning page.
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