Financial Planning in Toledo Built Around Your Life
SMART Planning™ connects the decisions across your financial life
well organized finances
A coordinated strategy that brings all your financial decisions together into one clear, manageable plan.
clarity around complex decisions
A structured process that brings clarity to complex decisions, with data and clear reasoning behind each recommendation.
From Reactive to Strategic
A financial plan built to address both where you are today and where your life is likely to take you.
SMART Planning™ Built Around Your Financial Life
SMART Planning™ may be used independently or combined with SMART Investing™ as part of our
Wealth Management relationship.
risk management
- Business Liability Insurance
- Disability Income Needs Analysis
- Irrevocable Life Insurance Trusts
- Key Person Insurance
- Life Insurance Needs Analysis
- Long Term Care Needs Analysis
- Property & Casualty Insurance Review
- Review of Existing Policies
income tax planning
- 1040 Review
- 1040 Optimization
- Complex Tax Strategies
- CPA Coordination
- Deductions and Credits
- Health Savings & Flexible Spending Accounts
- Portfolio Gain/Loss Review
- Potential Roth Conversions
- Tax Loss Harvesting
investment planning
- Asset Allocation
- Concentrated Stock Positions
- Equity Compensation Planning
- Investment Policy Statement
- Outside Held Investments
- Portfolio Review
- Risk Profile Analysis
- Withdrawal Strategies
- Employer Sponsored Plans & 401(k) 403(b), 457(b), 401(a)
- Pensions & Annuities
- Retirement Contributions
- Retirement Goal Projection
- RMDs and Distribution Strategies
- Roth IRA Conversions
- Social Security & Medicare
business planning
- Business Cash Flow Planning
- Business Exit & Succession Planning
- Business Tax Planning
- Employee Retirement Plans
- Self Employment Income Planning
- Self Employed Retirement Plans
cash flow & budget
- Debt Management
- Dollar Cost Averaging
- Emergency Funding
- Expenses & Budgeting
- Income Sources
- Lines of Credit
- Mortgage Review
- One Time Expenses
- Planned Large Expenses
estate & legacy
- Beneficiary Review
- Charitable Gifting Strategies
- Estate Attorney Coordination
- Estate Documents Review
- Estate Plan Summary
- Estate Tax Planning
- Private Family Foundations
- Private Trust Services
family planning
- 529 College Savings Plan
- Annual Gifting
- Caring for Elderly
- Education Contributions
- Education Goal Projection
- Family Limited Partnerships
- Generation Skipping Trusts
- Guardians for Minor Children
- Minor Roth IRA’s
- UGMA/UTMA
A Structured Process, Built Around You
Phase 1: Discovery + Alignment
Laying the Foundation (Weeks 1-2)
Before we begin, we confirm our approach aligns with your needs. This phase includes:
- Introduction Meeting – Understanding your goals, past experiences, and current situation while introducing our philosophy
- Commitment & Data Gathering – Formalizing our partnership with clear agreements and collecting necessary documents
- Advisor & Team Introduction – Understanding who is involved in your relationship and how we will work together
Phase 2: Analysis + Strategy Development
Building Your Financial Blueprint (Weeks 3-6)
We take a detailed look at your financial life to identify gaps and areas needing attention:
- Data Review – Confirming accuracy and resolving discrepancies in your financial information
- Visions & Values Conversation – Exploring what truly matters to you and your family
- Investment Collaboration – Reviewing strategies tailored to your risk tolerance and goals
- SMART Plan™ Presentation – Delivering your comprehensive, personalized financial roadmap
Phase 3: Risk Management + Estate Planning
Protecting What Matters (Weeks 7-10)
We help safeguard your wealth and legacy:
- Risk Management Review – Identifying and quantifying vulnerabilities to determine whether you want to assume or transfer the risk
- Estate Plan Guidance – We review your documents, collaborate with your attorney, and help align your financial plan with your legacy goals
- Implementation Support – Helping execute recommendations and update beneficiaries
Phase 4: Ongoing Partnership
Ongoing Support and Partnership
Our relationship doesn’t end with plan delivery. We continue supporting you through ongoing services that include:
- Regular Reviews – Meetings based on your needs
- Life Change Support – Adjusting strategies as your career, family, or financial situation evolves, including major transitions such as retirement planning
- Secure Document Access – 24/7 portal for your financial documents
SMART Planning™
A good financial plan should reflect the life behind the numbers. SMART Planning™ gives our work a structured process while keeping the advice personal to your circumstances, priorities, and goals.
Study Your Situation
Understanding your current situation, your priorities, and the financial decisions that matter most to you.
Manage
Risk
Identifying potential areas of financial risk and evaluating strategies designed to address them thoughfully.
Align Your
Financial Life
Coordinating your investments, tax strategy, insurance, and estate planning so your financial decisions work together.
Reevaluate
and Refine
Your plan is revisited regularly so it evolves alongside changes in your life, career, and priorities.
Tax-Aware
Decisions
Incorporating tax considerations into financial decisions so taxes are considered part of a coordinated strategy.
The goal is not to make more financial decisions. It is to make better-connected ones.