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Owning your own business includes a unique set of financial considerations. Not only do you need to consider your own financial security and retirement plans, but also those of your employees. Specific needs that can be addressed through a financial planning relationship include managing your taxable income and developing a clear picture of your business's value so that this information can be incorporated into your personal financial plan for a comprehensive view of your assets. It's important that your financial strategy covers your basic needs before you invest in anything else, including your business. In addition, I can assist you with developing a benefits strategy that fits your employees needs and establishing a succession plan for your company.*

Making the most of what you’ve saved for your retirement and not outliving your assets requires smart, careful planning. You need to address complex issues – such as generating income from multiple sources and investing to stay ahead of inflation, while managing risks and planning to reduce taxes. Although accumulating savings was once the primary concern, the question is how to go about managing those savings so you can continue to spend throughout your retirement. Each income source has different tax implications so the order and rate of withdrawal are critical. In addition, I can also help you think about how you may want to access your money in retirement, such as receiving money at regular intervals like a salary, or withdrawing from an account as needed. It may seem a little overwhelming, but I can help you sort through your options and make sound decisions so you can focus on enjoying your retirement.*

An estate plan can be as complex or simple as you need it to be. Estate planning helps protect your assets and offers your loved ones a degree of financial security. You may also choose to set up your estate plan to support organizations that are important to you. I can help you throughout the planning process, from thinking about who you would like to provide for and how much you would like to set aside, to considering priorities for your family after you are gone. I can help you sort through your options, including tax management strategies, and develop an estate plan tailored for your lifetime and beyond.*