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We Address a Wide Range of Financial Planning Topics

Our mission is to help you achieve a harmonious relationship between your goals and finances.   To accomplish our mission, we will cover any relevant financial planning topic that applies to you and your family.  Below is a summary of of just some of the financial planning topics we may cover as part of the development of your financial plan and on-going relationship.

Investment Management

We will create and manage a well-diversified, low-cost, tax-efficient, and risk-appropriate portfolio that is in line with your goals and objectives. This portfolio will consider all your investment accounts, including taxable accounts, IRAs, 401(k) plans, and 403(b) plans. We will also advise you on stock options, restricted stock units, and your employer stock plan.

Retirement Planning

Retirement planning is about achieving financial security and peace of mind. Knowing that you will have enough money, even when the unexpected happens, is critical to any financial plan. But retirement isn’t just about money; it’s also about personal fulfillment and enjoyment. It’s what is referred to as “financial independence.”  We will help you plan to get the most from your retirement years.

Stock Options and Equity Awards

Equity awards are a great benefit and can provide additional sources of income. However, they can be difficult to to understand and manage.  We help manage your non-qualified stock options (NSOs), incentive stock options (ISOs), restricted stock units (RSUs), stock appreciation rights (SARs), employee stock purchase plans (ESPP) in order to maximize your income and minimize the tax impact.

Estate Planning

Estate planning is more than making a Will or Trust. It involves deciding who will be a guardian for minor children or making provisions for special needs situations. In addition, estate planning involves power of attorneys, medical directives, end-of-life considerations, and bequests to charities.

Insurance Planning

Determining how much coverage you need, what risks you can afford to self-insure, where you should buy your insurance, and how much you should pay for it are vitally important to your financial security. We will discuss these issues in detail and help you spend your insurance dollars wisely.

Cashflow Planning

Do you know where you money goes each month?   Using a variety of tools,  we can help you find out and then reroute cash to go where you want it to go.

Real Estate Planning

Your home is probably your single largest investment and your mortgage your single largest debt. The housing bubble showed everyone how easy it is to get a big house with a big mortgage and end up with a very big problem. We advise on getting the right-size home for your income and the right-size mortgage to fit your cash flow.  We will also review your mortgage to see if refinancing might lower your monthly payment.

Education Planning

Saving for college is a significant financial planning issue for most families. Median family income has not increased nearly enough to keep pace with rising college costs. While there are numerous sources of funding available, identifying the right mix of alternatives and maximizing their use is a complex and confusing process. The good news is that there are ways for families of any income level to effectively save for future college costs. We can help you determine the best education planning strategy for you and your family.

Tax Planning & Preparation

We are mindful of taxes when creating and managing your investment portfolio. You may have taxable accounts, tax-deferred accounts such as IRAs and 401(k)s, and tax-free Roth IRA accounts. Your gain on your investments can be increased by the proper placement of various investments in these different account types.   My work with you also includes analyzing the tax ramifications when making decisions about  exercising and selling your company stock such as Restricted Stock Units, Stock Appreciation Rights, and Employee Stock Purchase Plans.

A key element of my ongoing review is projecting your current tax obligation, both in the first quarter and last quarter of the year.  We conduct an analysis of your  tax liability, and whenever possible, capitalize on opportunities to save you money via effective tax management.

Paul Cordero is an Enrolled Agent and is qualified to file your annual Federal and State tax return if necessary.    Otherwise, he will refer you to CPA partner professionals to assist in the annual preparation of your tax returns.  

The tax planning and tax preparation is highly coordinated which means greater predictability and accuracy of your annual tax obligation. 

Social Security & Medicare

You might be eligible to collect social security benefits as early as 62, but if you wait until age 70 you will receive greater benefits.  What is the best option to take?  We will help you analyze your situation and determine the most appropriate action to take.

 You are eligible to enroll in Medicare when you turn 65.  What happens if you are still working or on your spouse's health plan?  Should I enroll in regular Medicare or Medicare Advantage?  What is the difference between Medicare Parts A, B, and D?  What happened to Part C?  We will help you answer these questions for you and more.