Comprehensive Financial Planning

Comprehensive Financial Planning

We believe that a plan is a powerful tool. Reaching your long-term financial objectives hinges on having the right plan - one that fits your unique circumstances and grows with you.
Our process enables us to learn about a client’s goals and objectives, analyze their current financial situation, recommend a long-term strategy, implement a strategy, monitor the progress, and update the plan as life changes.
Our comprehensive financial plan covers a variety of topics at different stages of life and circumstances.

Below is a list of our most common client concerns:
  • How much do I need to save to retire?
  • What amount should I contribute to my 401k?
  • Should I open a ROTH IRA?
  • How do I save for college?
  • When should I collect social security?
  • Can I afford a vacation home in retirement?
  • What option should I select for my pension?
  • Do I need life insurance? What about long-term care?
  • Who should I name as executor of my estate?
  • How do estate taxes work?
  • What is the best way to give to charity?
  • Can I give money to my children?
  • How can I save taxes?

This is just a small sample of the questions that we help clients answer, let us help you with a comprehensive financial plan to get some of your financial questions answered.

We are deeply committed to the financial planning process but the outcome is only successful when our clients commit to gathering the most accurate information and follow through on our recommendations.


Managing risk is an important part of any financial plan. Providing protection for the unexpected will help ensure you and your family are taken care of. We can help you with your life and long-term care insurance needs.

Do you need Insurance?

  • What will replace your income if something happens to you?
  • What retirement income will your spouse lose if something happens to you?
  • Who will pay for your nursing home stay?

Ways we can help

  • Review your existing insurance policies
  • Recommend policy changes when appropriate
  • Recommend the purchase of an insurance policy to meet needs

Estate & Income Tax Planning

We’ll work closely with your attorney and tax advisor to develop a sound legacy and estate plan.  It is important to have a proper plan in place to ensure that your wealth is protected and transferred to your beneficiaries in the most tax-efficient manner.

Estate Planning

  • Monitoring your beneficiary designations throughout your lifetime
  • Account Titling
  • Reducing exposure to estate taxes and probate costs
  • Reviewing your wills and trusts
  • Coordinating with your tax and legal advisors
  • What is the best way to fulfill your charitable goals

Income Tax Planning

  • Are you taking advantage of low-income tax brackets and 0% capital gains rates in low-income years?
  • Are you maximizing the IRS education tax credits in conjunction with your 529 Plan withdrawals?
  • Are you maximizing your ROTH contributions and ROTH conversions?
  • Are you contributing to an HSA?

*RGB Financial and LPL Financial do not provide tax or legal advice or services. Please consult your legal advisor regarding your specific situation