Financial Planning

Asset Location

Asset Location is how investors distribute investments across a variety of savings vehicles, including taxable accounts, tax-exempt accounts, tax-deferred accounts, trust accounts, variable life insurance policies, and foundations. Separate from asset allocations, which determines what assets to own and in what proportion, asset locations determine where those assets are held. Its objective is to maximize the benefits of different account types and, in most cases, minimize taxes.

Income Tax Planning

Income tax planning is the utilization of tax knowledge and tools before year-end to estimate your income taxes, qualify for the right credits, deduct the most expenses, reduce taxable income, and pay fewer taxes.

Cash-Flow Planning

Cash-flow planning is a strategy employed to forecast cash inflows and outflows over several periods. In regards to insurance, these plans refer to coordinating the payment of insurance premiums.