Working With You — How We Begin
We believe that in order to achieve your financial goals you need a logical, understandable structure and process for handling your financial planning issues and your investment portfolio. Here is the straightforward approach we take at CPAIS.
First, we will help you reexamine where you are now and where you wish to be, and determine what you need to do to get there.
Next, evaluating your specific personal situation, CPAIS will help you do ten things:
- Clarify and establish specific near-term and long-term financial planning goals.
- Calculate how much money you need to fund your goals.
- Identify opportunities to reduce your tax burden, today’s and the future’s.
- Review your use of borrowing, looking for opportunities to use debt wisely and have it cost you less.
- Help determine if you have the right types of insurance, and in the right amounts, to protect yourself and your family.
- Establish or refine your estate planning; and help you establish trust vehicles, where appropriate.
- Determine what risk/return characteristics and asset allocations are appropriate for your investment portfolio, based on your financial planning goals and your risk tolerance.
- Analyze your current investment portfolio — both your taxable and tax deferred account holdings — to determine what risk/return characteristics and asset allocations you actually have at present.
- Determine the most tax-efficient way to optimize your portfolio so it has the desired risk/return characteristics and asset allocations appropriate for achieving your near-term and long-term financial planning goals.
- Present our financial planning re-commendations for you. We will answer the above questions and lay out the steps to take together in implementing your plan. We will also lay out our process to monitor our progress together and identify additional opportunities to help you make the most of your money.
Working with you — The next step »