Financial Planning

Your Financial Plan

We will become familiar with your particular financial circumstance: Your goals, time horizon, resources, prospects, and risk tolerance. We will design and deliver a customized financial plan which, as applicable, will address the following:

• Your Current Financial Position
• Assets, Debts, Income, and Expenses
• Cash flow projections
• Saving for college
• Investment planning
• Tax management
• Long-term care planning
• Estate planning

Your financial plan will be designed to be a dynamic resource which we will review with you and update annually (or as circumstances dictate.

Estate Planning

Not everyone needs estate planning. For some, a few basic documents (e.g., Will, Power of Attorney) will suffice. For others, estate planning can be critically important. Do you have children under the age of 18? Do you have a child with special needs? Do you, or your spouse, have children from a prior marriage? Do you have property in more than one state? Do you live in a state with an estate tax? Do you have a financial interest in a closely held business? Do you want any charitable interest to be a beneficiary of your estate? Would you benefit from strategies to reduce your taxable estate? If so, you likely would benefit from estate planning.

Estate planning extends beyond purely financial considerations. Do you have a preference between burial and cremation? Do you have a health care proxy?

We can work with you to identify estate-related issues (and opportunities) and we will work with your estate attorney and accountant, as necessary, to ensure that your estate planning is aligned with your overall financial objectives.

RWP Capital and LPL Financial do not provide legal advice or services.

Tax Mitigation

Tax planning plays a significant role in virtually every aspect of financial planning. As they say: “It’s not what you earn, it’s what you keep”. We will work with you to identify tax-saving strategies in the following areas:

• Income Deferral & Planning
• Investment Income and Gains
• Retirement Asset Distribution
• Like-kind Investment Exchanges
• Estate Taxation and Probate
• Tax Advantaged Charitable Giving and Trusts