WEALTH MANAGEMENT
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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 financial planning process. |
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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. |
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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 plans on track? We are a firm believer in portfolio balance as the basis for any sound investment strategy. That
What's the best way to keep your retirement plans on track? We are a firm believer in portfolio balance as the basis for any sound investment strategy. That includes:
- Establishing objectives
- Developing an appropriate investment strategy to meet them
- Reviewing progress regularly and making any necessary updates
As part of the retirement planning process, we will sit down and determine how much you need in your retirement years based on your input, and advise you on how to get there.
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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 savings plan - and to get the best possible guidance along the way:
- Up-to-date guidelines on contribution limits and restrictions
- The benefits of education savings and custodial accounts
- Saving on a tax-deferred basis
Together, we'll explore the alternatives and create a plan to make you feel comfortable about meeting your children's educational needs.
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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 IRA and qualified plan distributions*
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“Though our company is based in New Jersey, our sales are global. Couto DeFranco helped us structure our business to minimize risk, as well as the time spent on administrative tasks - allowing me to focus on growing our business.”
Tim Roebuck
EVP, ACP Marketing U.S., Inc.
Travel services provider |
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“A growing business often needs more service than an established business. We were always able to count on Couto DeFranco to have a solid understanding of our objectives - their guidance always took into consideration what we were trying to accomplish.”
John Julia
Executive |
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“The professionals at Couto
DeFranco were exceptional
with Quickbooks training. I felt
disorganized and uneasy that I
may be making costly mistakes.
As a small business owner, I
really need to understand
Quickbooks to keep a pulse
on my business. With the
assistance and training I
received from Couto DeFranco,
my books are more organized,
therefore, I have a better handle
on my business so I can make
better decisions to improve my
business!”
Nicholas Fiore, Owner
Fiore & Son,
Painting and Decorating |
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