Financial Planning

Building a Secure Future requires a Clear Direction

Financial planning is the foundation for sound financial decisions throughout your lifetime. We are committed to learning about you and where you want to go in life. In partnership with you we will develop sound and custom tailored strategies to help you move from where you are today to where you want to be. Asset preservation and growth, along with sound financial planning, are integrated services. Therefore we offer on-going financial planning advice, free of additional charges when we manage your investment portfolio. No need for a large financial plan expense before the investment process can even get started - if you become our investment management client, we develop your financial plan for free. Or we will charge a reasonable hourly or project fee.

Learn more about your Financial Plan

We can help you with all of your planning needs, including guiding you through major life transitions. Successfully managing financial transitions is more challenging and complex than you may realize. It's not just a matter of managing the financial situation - it is re-establishing the perspective and clarity required to make sound financial and life decisions. Whether planned or unexpected, transitions will create uncertainty - the past is gone, the future is in flux - and require thoughtful analysis and attention. Transitions bring new choices as well as new responsibilities and decisions to be made.

Planning for RetirementIncome in Retirement

DivorceRebuilding after Divorce • Loss of a Loved One • Inheritance

Sale of Business • Career Change • Change in Health

Marriage • Old Age • Financial Windfall

Our work is more than simply advising you about a specific investment or tax relates issue, instead we look at your financial life through a holistic lens.

Women and Financial Planning

Women's primary concern is that they will be impoverished in old age. And it is a fact that women today face special financial challenges. Women live longer, earn less and take more breaks from the workplace to care for children and elderly parents. They ultimately end up with smaller balances because of their lower earnings. With a longer life expectancy, women need to plan for old age and the potential need for care. Single women need to plan for their financial security because they have no partner to rely on. Women who are suddenly single, like divorcees and widows, obviously may need help. Despite strides in education and in the workplace, many women simply aren't as confident and knowledgeable about financial matters as men and may find investment decisions stressful, difficult and time consuming. But the vast majority of the financial advice is the same, regardless of gender. We deliver financial advice, specially tailored to our women clients with an emphasis on education and empowerment.

Long-term financial planning for families going through a divorce.

We all know that the financial ramifications of a divorce can be devastating. But with proper planning and expert help from professionals specializing in financially equitable divorce settlements, you can increase your chances of arriving at a settlement that fully addresses your long-term financial needs.

Most people know to hire a divorce lawyer but few know to protect their assets by bringing in a professional with financial expertise. As a Certified Divorce Financial Analyst, Ute Scott-Smith knows how to review the long-term effects of financial choices. This allows both partners to have a clearer view of their financial futures. Only then can they approach a settlement that fully addresses the financial needs and capabilities of each.

More information and tips about Divorce and Separation..

Procrastination is the most common cause of financial failure - get started planning your financial future now. Call us at (707) 523-0570 or email us using our contact form.

Orchestrate a smooth life transition with confidence and peace of mind.