Financial Planning Services

  It is no secret that taxes are a major component of financial planning. At PFS 360, we work with our clients to plan for tax efficiencies in your investment portfolios as well as estate plan. 

  A thorough analysis of your cash flows allows for identification of planning opportunities. This will also allow for us to pin-point issues that can be corrected or improved upon. Comprehensively analyzing and monitoring your cash flows will allow us to develop an accurate picture of your net worth, by capturing the state of your assets and liabilities and how changes can impact your net worth.

  We work in collaboration with your insurance adviser to assure that your life, property and casualty, disability, and umbrella coverage are appropriate for your situation. We will review what you currently have and work with your adviser to make sure any new coverage you may need are at optimum levels and structured in a fashion that makes sense for you. 

  Whether you are years away from retirement, nearing retirement, or are newly retired, we can help design a plan for you. With longer time horizons until retirement, we assist in determining your financial needs in the retirement years. We guide you by constructing a plan to get you there. For clients who are close to or newly retired, we work with you to plan for income needs, asset preservation, and spending strategies to align with your lifestyle.

 We work closely with clients to incorporate a plan to meet future eduction goals. Our analysis  will include the evaluation of suitable education savings vehicles. We can then implement an investment strategy to meet the specific time frame, whether it be for elementary, secondary or college savings plans. 

 We will work in collaboration with you and your attorneys to revise or implement estate planning documents such as wills, trusts, and powers of attorney. A focal point of a good estate planning strategy is to minimize taxes and ensure wealth transfer by creating a living legacy . Considering our deep relationship with our clients, we are typically in a great position to provide recommendations that will maximize overall family wealth.