Financial Planning

For detailed information on our Personal Planning Process, please click here.

Click here to view our planning spreadsheet.

Click here to help identify your needs.

At Close Financial Planning, we provide a comprehensive range of wealth management services, with a focus on long-term investing and risk management. Services we offer include:

Asset allocation – By dividing your investments among four basic categories – stocks, fixed income, cash equivalents and other tangible assets – you can help preserve capital, increase liquidity and decrease volatility. In fact, studies have found that over the long run allocation is more important than individual investments to the overall performance of investment portfolios. We can help you develop an appropriate allocation for your individual needs.

Retirement planning – Whether it’s fast approaching or years away, you’ve likely thought about how you’d like to spend your retirement. But have you thought about how you’re going to get there? Our goal is to help you develop a specific strategy for funding the retirement of your dreams.

Survivor income analysis – Preparing for the unexpected is a necessary part of financial planning. If you die, will your family be financially secure? We can help you discuss this difficult issue and determine what steps you may want to take to prevent added hardships on your family.

Tax-efficient investing – Taxes can have a major impact on your personal financial plan, but there are investment alternatives that may provide tax benefits. We can help you identify investments that may help reduce your tax obligation and are happy to work in conjunction with your tax advisor.

Education funding – As the price of education continues to rise, so does the need for thorough planning. We can assist you in reviewing college funding alternatives and determining which options may be best for your personal situation.

Estate planning – Financial planning extends beyond your lifetime … it can also impact the legacy you leave behind. Estate planning may minimize taxes now, while helping to ensure your hard-earned assets are distributed as you intend. Working with your attorney and family, we can help you determine appropriate estate planning strategies.

Financial Planning Process - By working with us to create a personalized financial strategy, your individual portfolio will be based on your unique situation, your attitudes and preferences, your dreams and goals, and will be monitored on a regular basis.

Insurance – Just as managing risk is an important part of investing, it is crucial to the long-term health of your complete financial picture. From disability to long-term care and life insurance, we offer a full array of risk management solutions. And, because, we have an understanding of your comprehensive financial plan, we can help ensure you have exactly the coverage you need.