Personal Financial Planning

Creating Financial Freedom!

The partners at RM&N provide common sense investment advice regarding tax efficient savings vehicles, personal budgets and cost / benefit analysis of various investment and business opportunities.  When it comes to ongoing  investment portfolio management and insurance procurement, we strongly believe in a team approach - "do what you do best" - teaming our expertise with the services of qualified licensed investment advisors and insurance agents.  We are happy to provide recommendations of those advisors that we feel meet the highest standards of expertise and professionalism.  We work closely with these advisors as a team to maximize information-sharing for year end tax planning and return preparation, as well as assist in developing a comprehensive financial plan that  will  help you...

• Save enough for a comfortable retirement by identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save for retirement given your financial situation and risk tolerance.
• Pay for your child's college education by estimating the amount of money  needed,  and considering tax advantaged strategies to help accumulate shortfalls given your financial situation and risk tolerance.
• Protect your family in case of you become disabled by ensuring adequate  emergency funds and analyzing your life, disability, health, home, and auto insurance coverage.  
• Achieve your investment goals by identifying the steps needed to maximize your investment returns as well as the steps needed to help minimize your risk while building increased predictability of your investment returns.
• Leave a legacy for your heirs by maximizing the value of your estate by saving tax dollars, professional fees, and court costs. As well as minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate.

  Some Helpful Resources for our Clients:

 PERSONAL FINANCIAL STATEMENTS- useful to present your personal statement of financial condition for requests from banks and mortgage brokers, or other credit needs  

PERSONAL BUDGET SPREADSHEET- useful tool to assist in the tracking of monthly personal expenditures and providing  variance analysis from pre-determined budgeted amounts