Our Financial Planning Process

We are passionate planners. Making sure our clients have successful financial plans is what we strive for. Financial planning is an ongoing process that helps a family continually "identify their goals" and achieve them through "careful management of their resources".

1.“Identifying goals” is a continuous process of thinking about your goals and adjusting them as your resources and specific circumstances change over time. Here are some examples of common goals:


  • Understanding and having confidence in your finances
  • Choosing a retirement date
  • Increasing travel while you are healthy
  • Charitable giving during and after your lifetime
  • Funding college expenses with tax-free growth
  • Protecting your family from unintended consequences
  • Simplifying your estate for future generations



2.“Careful management of resources” is maximizing the long-term, after-tax value of your resources by understanding all the choices and issues related to:



  • Your specific tax situation, including long-term strategies
  • Social Security benefit strategies
  • Healthcare and Medicare plans
  • Investment selection and appropriate risk
  • Choosing the most advantageous account types and coordinating with investments
  • Pension choices and other retirement benefit options
  • Long-term care
  • Life and disability insurance needs
  • Estate and trust planning



The majority of relationships with our clients are long-term. The relatively small size of our  firm allows us feel as if we are part of your family. This helps us quickly think of YOU when new planning issues arise. As opportunities surface for your family, you should expect to hear from us.  Your success is our success, which is what drives each and every one of us at SS+D Financial.