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Financial Planning

Investment Mangement

Retirement Planning

Cash flow analysis

Risk Management

Divorce Financial PLanning

Financial Planning for Widows

Business Owners

Tax & Estate Planning

Financial Planning Services is a term that encompasses a broad range of financial tools that are used to assist clients with pressing concerns relating to their finances. By understanding the financial goals most significant to you, our holistic approach examines all aspects of your finances to create an all-inclusive strategy that aligns with your financial objectives.

Investment Management

Whether you are seeking advice on choosing 401k options or a desire to fund a short or long term goal, I will undertake a full review of your investments and help you understand all aspects of your current financial position. I am committed to providing recommendations that integrate your individual tolerance for risk and time horizon so that your investment portfolio is best positioned to meet the financial goals you wish to achieve.

investment

Some of the common questions asked:

  • Can you help me with my 401k options?
  • How is my portfolio performing?
  • Am I currently paying any fees in my retirement accounts?
  • What is the difference between a Roth IRA and a Traditional IRA and which is better for me?
  • I’ve changed jobs a few times in the last 10 years and I have a 401(k) account with 3 different investment companies. Is there an easier way to keep track of these investments? 

Bring these questions and any other investment planning related questions you have to your meeting with Angela.

Retirement & Cash Flow Analysis

Retirement is a transition that comes with many questions that require thoughtful early planning. Our interactive client software platform allows us to create “what-if” scenarios tailored to your situation and see the impacts as a result. Together we will determine your optimal retirement income goals and take the actions and decisions necessary to achieve them.

retirement

Some of the common questions asked:

  • Now that my children are grown does it make good financial sense to downsize my home?
  • Exactly how much should I be setting aside now put for retirement?
  • Will I have enough income in retirement to maintain my current lifestyle?
  • What is the “right” age to start my social security benefit?
  • What are the pros and cons of paying off my mortgage?
  • Do I have enough money saved to retire soon?

Bring these questions and any other retirement and cash flow related questions to your meeting with Angela.

Risk Management

An essential element to a comprehensive financial plan is risk mitigation to protect the assets you have worked so hard to accumulate. As part of addressing every aspect of your financial life, we will review your current insurance coverage, identify any risk and make recommendations based on your complete financial objectives.

risk

Some of the common questions asked:

  • How can I be sure that I set aside enough for the cost of health insurance when I retire?
  • We have a newborn and have started thinking about life insurance. How much do we really need?
  • I received an inheritance. How will this impact my current and future taxes?
  • I’ve never married and have no heirs. Do I really need a will if I would like it to go to a charity?
  • I’ve changed jobs a few times in the last 10 years and I have a 401(k) account with 3 different investment companies. Is there an easier way to keep track of these investments?

Bring these questions and any other risk management  related questions to your meeting with Angela.

Business Owners

As a business owner, you are responsible for the sustainability and profitability of your business. Having a proper plan in place will allow you to maximize your initial capital investment and make key financial decisions needed at the optimal time allowing you to focus on what you do best as your business grows.

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Some of the common questions asked:

  • What financial options should I consider if I would like to expand my business?
  • My business partner and I have been in business for years. I’m ready to retire but she is not ready to sell the business. Are there any options available that could work for both of us?
  • I’m thinking about turning my hobby into a full -time business. How can I be sure I’ve set enough money aside to leave my career behind and pursue my passion?

Bring these questions and any other business planning related questions to your meeting with Angela.

Women in Transition

Divorce Financial Planning (Before, During and After):

Divorce is one of the most transitional and emotional times of your life where you are faced with decisions you must make for you and your family. As a Certified Divorce Financial Analyst®, I can help you understand your new financial reality and empower you in making informed decisions regarding some of the implications that you may face pre, during and post-divorce. I will help you navigate divorce financial issues with professional experience and compassion and provide strategies that can mitigate some of the most common financial mistakes made during this process.

How I can help you
  • Organize your financial information you and your attorney will need
  • Examine the financial issues of your specific situation and provide you and your attorney with powerful data to support your case
  • Help determine the short-term and long-term financial impacts of a proposed settlement or any “What-If” scenarios
  • Offer valuable insight into the pros and cons of different settlement proposals
  • Educate clients so they are aware of some of the common financial pitfalls in divorce and any implications of financial decisions they are facing
  • Create personalized reports and graphs illustrating the financial status, cash flow and net worth of both parties
  • Review insurance coverage and estate plans
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Some of the common questions asked:

  • Can I afford to the keep the house? Should I?
  • How will my lifestyle change?
  • My spouse has a pension or a 401K. How can I be sure I receive my fair share?
  • Am I entitled to my spouse’s higher social security benefit?
  • How will my divorce affect my retirement assets?
  • What does my financial future look like 5, 10 & 20 years from now?

Bring these questions and any divorce planning related questions to your meeting with Angela.

Financial Planning for widows:

Surviving the loss of a spouse and the myriad of emotions that follow are overwhelming and exhausting and may leave you feeling like you are in a “mental fog.” Understanding that there is no order in grief and that the process is unique to each person and situation, I work at your pace to prioritize each financial decision as they arise. Together we clarify your current financial picture and provide the support needed to make important decisions to secure your financial future. Worrying about finances leads to unnecessary stress and anxiety and should not be a part of your grieving process.

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Some of the common questions asked:

  • Some of the common questions asked:
  • How will I support myself and what benefits should I claim?
  • Will I be able to financially support myself?
  • Do I need to change my investment options?
  • Should I downsize my home?

Bring these questions and any life transition related questions to your meeting with Angela.

Tax & Estate Planning

Tax and estate planning may not be the main reason you are seeking financial guidance. Our holistic approach includes a review of your current estate and tax plans to examine how an unexpected life event may affect those plans. We work alongside your trusted legal and tax professionals to developing strategies that ensure your financial success.

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Some of the common questions asked:

  • I received an inheritance. How will this impact my current and future taxes?
  • I’ve never married and have no heirs. Do I really need a will if I would like it to go to a charity?
  • What is the difference between a Roth IRA and a Traditional IRA?
  • Does it make sense for me to borrow money from my 401(k)?
  • How much should I be saving now to be able to pay for my child’s college education?

Bring these questions and any other tax & estate planning related questions to your meeting with Angela.

Appointments

Servicing clients in Macomb, Oakland and Wayne Counties. Now taking virtual appointments. 

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