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 to pursue their goals and objectives, implement a strategy, monitor the progress and update the plan as life changes.

Our comprehensive financial plan covers a variety of topics. 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?
  • 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 in the event of the unexpected will help insure 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?
  • How will you fund college and mortgage payments?
  • What retirement income will your spouse lose if something happens to you? (Social Security, pension, etc.)
  • Who will pay for your nursing home stay?

Ways we can help

  • Review your existing insurance policies
  • Recommendation of policy changes when appropriate
  • Recommendation of insurance policy to pursue goals

Estate & Income Tax Planning

If you don't have a plan, the government has one for you, but you probably won't like it.

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 advisorsWhat 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 on conjunction with your 529 Plan withdrawals?
  • Are you maximizing your ROTH contributions?
  • Are you contributing to an HSA? Pre-tax medical expenses

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