Catalyst Financial Planning

Confused about the correct insurance for your situation? Part of our process in working with clients is to offer a review of their existing insurance policies. Special attention is paid to life, disability and long-term care insurance. When needed, we are able to offer a variety of insurance products from several quality insurance companies.

Tax planning services for individual and small business clients are offered by us. Effective tax minimization begins with long-term tax strategizing to establish overall objectives and is maintained with conscientious and consistent annual tax forecasting and mid-year tax planning.

The best laid plans… well, you know the rest. The most prudent investment strategy can be upset quickly by unexpected events - like a disability, death, lawsuit, or the need for long-term care. We will assess the risks you may face and recommend the best ways to handle those risks.

Concerned about the consequences of your financial decisions on your estate? Or have you thought about how to structure your estate to minimize estate taxes? Have you named the correct beneficiaries for your situation? Do you have unusual circumstances such as a special needs child that will require care after your passing? We will review your estate planning needs, and we will work with you and your estate planning attorney to develop a plan that meets your needs, whether simple or complex.

Wealth Management is an ongoing partnership between advisor and client. We believe that a long-term relationship is the most beneficial for our clients. The real value of our services lies not in the plan (the document) but in planning: the ongoing guidance, expertise and support to adjust and fine-tune your plan as your personal circumstances and the world around you continue to change.

Financial Planning is about more than money. It helps you fulfill your ambitions - whatever they may be. Whilst you may trust friends and family on many of life's key decisions - a professional financial adviser can help you make informed decisions about your financial future. With financial planning in place you’ll be better placed to manage the unforeseen and the unwelcome and you and your family can be free to relax and enjoy life. The sooner you start financial planning, the better chance you have of realizing your goals.

Investment Management is a critical element in your financial success and an integral part of the Wealth Management service. When managing your investments, we can provide you access to tax-efficient, low cost funds that are unavailable to the general public. They charge low fees and involve very less / no commissions. More of your money goes to work for you. Investment Management includes.

Tax planning services for individual and small business clients are offered by us. Effective tax minimization begins with long-term tax strategizing to establish overall objectives and is maintained with conscientious and consistent annual tax forecasting and mid-year tax planning.

While we can’t escape taxes, we can often minimize them. Our recommendations in all areas of wealth management take into account tax reduction and tax efficiency. We will also provide you with tax projections, and we will review your recent tax returns for opportunities for additional savings.

As hard as we try, we can’t know everything. Whenever needed, we will refer you to specialists for additional assistance, or we will consult specialists on your behalf.