FINANCIAL SERVICES

Having a clear picture of your current financial situation is one of the first steps in creating your plan. As Certified Financial Planners™, we can help you take a snapshot of your current financial situation, and make a solid plan for the future.

CASH FLOW & DEBT MANAGEMENT

Cash flow is the cornerstone of your wealth management plan. Without a clear picture of what money is flowing in and out each month, it is impossible for you to make informed decisions with respect to the other financial issues that affect you. In addition to cash flow, your debt level and credit history are also important barometers of financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can go through both your cash flow and debt levels, and assist you in better understanding your current financial status as part of the overall planning process.

FAMILY RISK MANAGEMENT

Are you prepared for the unexpected? Even the best investment and financial plans can falter if you have not properly prepared for the risks that exist for your family. Should something happen to you or a family member such as disability, death, or a long-term-care need, the careful planning and investing you have so diligently developed can become unraveled. As part of the planning process, we review your current situation, and make recommendations to assist you in being better prepared should the unexpected happen.

RETIREMENT PLANNING

How do you visualize your retirement? Chances are your expectations are very different from those of past generations – as should be your approach to planning a comfortable, fulfilling retirement.
What’s the best way to keep your retirement on track? We are a firm believer in asset management as part of the retirement planning process.
That includes:

  • Establishing objectives
  • Developing wealth building strategies
  • Reviewing progress regularly

As part of the retirement process, we will sit down and determine your retirement goals based on your input, and advise you on how to get there.

EDUCATION PLANNING

College tuition is often a family’s greatest financial hurdle, second only to buying a home. That means it’s never too early to map out a plan – and to get the best possible guidance along the way:

  • Up-to-date guidelines on contribution limits and restrictions
  • The benefits of education planning

Together, we’ll explore the alternatives and create a plan to make you feel comfortable about meeting your children’s educational needs.

LEGACY PLANNING

Tax-efficient estate planning starts with an understanding of your overall financial picture. At Couto DeFranco, we’re Certified Public Accountants as well as Certified Financial Planners™ – drawing on multi-tiered expertise to offer the guidance you need to make timely, informed planning decisions.

We offer a variety of individualized estate planning services, including:

  • Wealth transfer strategies
  • Business succession planning
  • Charitable gift giving
  • Planning for retirement distributions*

Read our Wealth Management Brochure