Individual Planning

Financial Planning

The Holistic Planning Process is a comprehensive financial planning process designed to coordinate the many aspects of your financial life into a cohesive whole. The objective is to give you a better sense of where you are, where you wish to go and how best to get there. SFA customizes a solution in consideration of personal goals and objectives, cash flow needs, risk tolerance, tax realities and time horizons. By coordinating all aspects of your financial life, we take the burden off of you to manage multiple resources or advisors.

As essential as it is to construct a proper strategic plan, it may be even more important to continually revisit the various components of the plan and implement strategic or tactical changes in light of dynamic circumstances. SFA places a great level of importance on continual dialogue and periodic review meetings with you. Our best relationships are with clients who appreciate both our advice and our hands-on service approach.

Who is paying taxes?

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Wealth Management Solutions

Effective investment planning does not occur by accident, but rather requires thoughtful and rigorous analysis as well as adherence to proven portfolio strategies. The most successful plans are continually monitored to ensure they remain relevant to your situation, given prevailing economic and market conditions.

Clients benefit from our access to a wide variety of research capabilities and customized portfolio solutions, tailored specifically to your goals, objectives and tolerance for risk. Our approach is anything but cookie-cutter, but rather customized to meet your unique financial and lifestyle needs.

Our access to some of the best advisor solutions available today provides our clients the opportunity to benefit from customized portfolio construction and professional management.

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Investments/Balanced Portfolio

Diversified Portfolios

Investments and Emotions

Retirement Planning

Retirement goals differ from client to client, but the basic premise remains the same. Whether you plan on travelling, spending more time with family, pursuing a new hobby or even working part time, you do not want to outlive your financial resources. Developing a realistic plan that addresses funding sources, growth projections and eventual distribution will raise awareness of what you need to save in order to comfortably enjoy your later years.

Integral to developing a prudent retirement plan is a discussion of the tax implications you may face when the time comes to withdraw funds from your various savings vehicles. We work with you to minimize your tax burden as you build your wealth and transition through retirement. Granted, taxes are a reality for all of us, though you may benefit from our expertise in crafting coordinated tax, estate and gifting strategies aimed at minimizing your tax bills and those of your heirs.

Confident that you would benefit from a complimentary consultation, we invite you to.

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Retirement Concern

Retirement Money -­ What to take first?