As an investor of Golden Savings, your holistic personal financial plan may include ongoing reviews of the following :
Goals and Values
Your goals and values are the foundation on which your personal financial plan is built. Everything else is coordinated so that you can achieve your goals while remaining true to your values.
Risk Management and Protection
Determining how much insurance coverage you need, what risks you can afford to self-insure, where you should buy your insurance, how much you should pay for it, and understanding and maximizing your employee benefit package are vitally important to your financial security.
Tax Planning
You don’t have a choice about paying taxes, but you can avoid making the mistake of overpaying them. Tax planning helps to lawfully structure your income and take advantage of the adjustments, deductions, and credits for which you qualify so that you pay only what you owe when you owe it.
Portfolio Analysis
We compile a complete inventory of your investments and analyze each for costs, tax efficiency, performance, risk, and diversification. We help you to understand what you have and whether what you have is appropriate for you.
Investment Allocation
We use Functional Asset Allocation to create an overall net worth growth or preservation plan that protects you during market downswings and helps you fully participate in times of prosperity.
Investment Implementation
No matter which investment custodian you use, we work with you so that the changes we agree on are made correctly and on a timely basis.
Retirement Planning
Retirement planning is more than simply ensuring that you won’t outlive your money. It also involves the timing of benefits, including Social Security, and – beyond the money aspects – it’s about how you will make your retirement years personally fulfilling and enjoyable.
Cash Flow Planning
Deciding in advance how you will spend your money ensures you are making regular progress toward financial independence and keeps your plan on track. If you are dealing with debt and spending issues, we will help you set priorities and gain control over your money.
Education Planning
If you have children or grandchildren, identifying the right mix of alternatives and maximizing their use is a complex and confusing process, but there are ways for families of any income level to effectively save for future college costs.
Business Planning
Owning a small business can have a big impact on your personal financial plan – in taxes, in risk management, in cash flow, and in estate planning. Integrating small business planning with your personal financial plan is another key to reaching your goals.
Ongoing Consultation
Our open retainer means that, in addition to the services listed here, we will provide advice any time you request it on the financial matters that concern you.
