Consulting

Personal and Financial Planning

Whether envisioning a secure retirement, funding your child’s education, or leaving a lasting legacy, everyone has financial aspirations—yet the roadmap to achieving them isn’t always clear.

Key Questions to Consider:

  • What level of risk aligns with my goals?
  • Will my retirement savings sustain my lifestyle?
  • How do I balance saving for college and retirement?
  • Can I minimize taxes on my investments and estate?
  • Is a Roth IRA conversion right for me?
  • How will Social Security affect my tax obligations?

Navigating these complexities alone can feel overwhelming. That’s where I step in. As a dedicated financial advisor, I simplify the process, empowering you to reach the financial independence you deserve.

How I Support Your Journey

  • Customized Financial Roadmaps: Strategies designed uniquely for your goals.
  • Adaptive Planning: Regular updates to reflect life’s evolving priorities.
  • Tax-Efficient Solutions: Coordinating personal and business finances to optimize tax outcomes.
  • Legacy Preservation: Estate planning, trusts, and gifting strategies to safeguard your wealth.
  • Investment Oversight: Assessing portfolio risks, fees, and alignment with your risk tolerance.
  • Retirement Readiness: Analyzing current vs. retirement budgets and crafting sustainable income plans.
  • RMD Guidance: Navigating Required Minimum Distributions (RMD) from IRAs to maximize savings.

With expertise in both the big picture and fine details, I’ll help you build confidence in every financial decision. Let’s transform uncertainty into a clear, actionable path toward your goals.



Retirement Planning

Retirement isn’t a distant milestone—it’s a journey that benefits from thoughtful preparation. Crafting a retirement strategy requires balancing your current financial reality with the vision you have for your future. Yet, navigating IRS regulations, tax implications, and the myriad of retirement plan options can feel daunting. Whether you’re already saving or just beginning, the right plan ensures you’re on track for the lifestyle you desire.

Key Questions to Consider:

  • Am I saving enough to retire comfortably?
  • Are my investments aligned with my retirement goals?
  • How do tax rules impact my retirement accounts?
  • When should I claim Social Security benefits?
  • What’s the best way to receive retirement income: lump-sum or monthly payments?

If uncertainty lingers, let’s turn questions into clarity. Together, we’ll design a roadmap tailored to your unique needs.

How I Support Your Journey

  • Comprehensive Financial Assessment: Evaluate your assets, liabilities, and cash flow to build a realistic foundation.
  • Goal-Driven Budgeting: Determine how much to save monthly and prioritize contributions to retirement accounts.
  • Social Security Optimization: Analyze timing strategies to maximize your benefits.
  • Income Stream Coordination: Account for pensions, investments, and part-time work in your retirement plan.
  • Tax-Smart Distribution Planning: Decide whether lump-sum payouts or structured payments align with your tax and lifestyle goals.
  • Retirement Plan Audits: Ensure your current investments (401(k), IRA, etc.) are cost-effective and risk-appropriate.


Business Formation & Transition Support

New Business Formation

Launching a business is an exhilarating leap, but the maze of legal, financial, and operational details can overshadow your momentum. Whether you’re structuring your entity, navigating taxes, or setting up financial systems, I provide the expertise to turn your vision into a compliant, thriving enterprise.

How I Empower Your Startup:

  • Optimal Entity Selection: Advise on LLC, S-Corp, or sole proprietorship structures to balance tax efficiency and liability protection.
  • Financial Blueprinting: Create cash flow projections, budgets, and business plans to secure funding and guide growth.
  • Tax & Compliance Setup: Register for Federal EINs, sales tax permits, and payroll systems while ensuring adherence to state/federal regulations.
  • Accounting Infrastructure: Implement tailored software (e.g., QuickBooks) and streamlined billing/collections processes.
  • Licensing Support: Secure required local, state, and industry-specific licenses to operate legally.

Business Termination

Exiting a business demands precision to avoid legal or tax pitfalls. Whether retiring, pivoting, or dissolving an underperforming venture, I ensure a seamless, compliant transition.

How I Facilitate Smooth Closure:

  • Dissolution Protocol: File Articles of Dissolution, notify creditors, and settle outstanding debts.
  • Final Tax Filings: Prepare last federal/state returns, address payroll tax obligations, and resolve lingering liabilities.
  • Asset Management: Guide asset distribution, sales, or transfers to minimize tax exposure.
  • Regulatory Compliance: Cancel licenses, close accounts, and archive records to meet legal requirements.


Business Advisory: Fueling Growth, Minimizing Chaos

In a world where operational fires and regulatory hurdles drain your focus, growth becomes an afterthought. If payroll compliance, tax complexities, or HR challenges are overshadowing your vision, it’s time to reclaim control. I partner with driven business leaders like you to transform obstacles into opportunities—freeing you to lead, innovate, and scale.

How I Elevate Your Business

  • Craft financial projections and cash flow models to guide data-driven decisions.
  • Analyze debt structures and secure financing aligned with your goals.
  • Optimize entity structure (LLC, S-Corp, etc.) for tax efficiency and scalability.
  • Build dynamic budgets and cash flow forecasts to stabilize operations.
  • Evaluate and deploy accounting software (QuickBooks) to automate workflows.